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Christine Kurniawaty

@christinekurniawaty

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Commercial lending professional at SMBC Indonesia who managed an SME portfolio of approximately IDR 200 billion.

Indonesia

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What I'm looking for

I’m seeking a remote position in Loan Processing, Commercial Lending Operations, Credit Administration, Mortgage Processing, or Banking Operations.

At SMBC Indonesia, I led a team of three Relationship Managers serving SME clients and managed a commercial lending portfolio of approximately IDR 200 billion. I supervised the loan pipeline and monitored portfolio quality.

As a Relationship Manager at SMBC Indonesia, I managed SME customers with working capital loan facilities from IDR 1 billion to IDR 25 billion. I analyzed financial statements, prepared credit proposals, and coordinated loan processing through disbursement.

Earlier, I managed commercial lending relationships at UOB Indonesia and PT. Bank Danamon Indonesia, Tbk, and supported banking channel operations at PT. BPR Karyajatnika Sadaya. I’m currently seeking a remote position in loan processing, commercial lending operations, credit administration, mortgage processing, or banking operations.

Experience

Work history, roles, and key accomplishments

Current

Freelance Makeup Artist & Brow Embroidery Artist

Current

Self Employed

Jan 2019 - Present (7 years 9 months)

Manage client appointments and business operations, handle scheduling, customer communication, invoicing, and social media. Build long-term customer relationships through personalized service.

Customer Service Scheduling Invoicing Social Media Makeup Artistry Embroidery

Business Manager

SMBC Indonesia

Jan 2018 - Dec 2019 (1 year 11 months)

Led a team of 3 Relationship Managers serving SME clients and managed a commercial lending portfolio totaling approximately IDR 200 billion. Supervised loan pipeline, monitored portfolio quality, and coordinated with Credit Analysts and Operations for loan approvals.

SME Banking Commercial Lending Portfolio Management Team Leadership Loan Processing Credit Analysis Relationship Management

Relationship Manager

SMBC Indonesia

Jan 2016 - Dec 2018 (2 years 11 months)

Managed SME customers with working capital loan facilities ranging from IDR 1–25 billion. Conducted financial statement analysis, prepared credit proposals, and coordinated loan processing from application through disbursement.

SME Banking Financial Statement Analysis Credit Proposals Loan Processing Relationship Management

Relationship Manager

UOB Indonesia

Jan 2015 - Dec 2016 (1 year 11 months)

Managed commercial lending portfolio, prepared loan proposals, and conducted customer visits and financial analysis. Monitored loan performance and customer relationships.

Commercial Lending Loan Proposals Financial Analysis Relationship Management

Relationship Officer SME

PT. Bank Danamon Indonesia, Tbk

Jan 2012 - Dec 2014 (2 years 11 months)

Managed commercial lending relationships for SME clients, acquired new business customers, and reviewed financial documents and loan applications. Worked closely with credit analysts and operations teams.

SME Banking Commercial Lending Customer Acquisition Financial Reviews Loan Processing

IT Staff – Delivery Channel Division

PT. BPR Karyajatnika Sadaya

Jan 2010 - Dec 2012 (2 years 11 months)

Supported banking channel operations, assisted in system troubleshooting and operational support, and coordinated with internal users and IT teams.

IT Support System Troubleshooting Banking Operations Coordination

Teaching Assistant

STMIK LIKMI

Jan 2008 - Dec 2010 (2 years 11 months)

Assisted lecturers in conducting laboratory sessions and practical classes, guided students during programming and IT laboratory exercises, and supported grading and academic administration.

Teaching Programming IT Labs Academic Support

Education

Degrees, certifications, and relevant coursework

STMIK LIKMI

Bachelor of Information Technology, Information Technology

2006 - 2010

Grade: 3.82 / 4.00

Activities and societies: Participated at CSPT STMIK LIKMI as Mentor; Participated at Campus Night STMIK LIKMI

Graduated as the Top Information Technology Student of the Class of 2010. Served as a Teaching and Laboratory Assistant, supporting lecturers in delivering Information Technology courses and laboratory sessions.