zulfikar link riau
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CURRICULUM VITAE
PERSONAL DETAILS
Full Name : Zulfikar, ST
Place/Date of Birth : Medan/ October 2nd, 1977
Gender : maleMarital tatu! : Married"ddre!! : Komplek Bumi Rezki Permai A/17 Paam Peka!aru Riau
"ddre!! : #l$ %a&a'ali No$ (1 ) uraba*a
Phone Number : "#1$7%"11"#+mail : -ulfi.ardilla*ahoo$co$id
&OR'AL ED()ATION
(i*er+i- &a.ul- Di+.iplie PA De0ree ear
%iau +conomicMa!ter
Mana00ement2,2" /, MM 211
3ORK E4PERIEN)ES
Emplo-er Po+iio / 5o! De+.ripio ear
PT. State Bank Of India
Indonesia
6ea Di*i+io 'i.ro, Reail 8 S'E
Baki0 8 Per+oal I )9ar0e Bra.9
'aa0er Sura!a-a
%e!3on!ibilit* for tar0et achie4ement
bu!ine!! retail ban.in0, a4in0
account, current account or 5)""6 and
De3o!it, Ban. Guarantee, credit retailand M+ !uitable Plannin0 of bu!ine!!ban. 5%BB6 'hich ha4e been !ubmitted
to the B and O#8
%e!3on!ibilit* for tar0et tandard
er4ice and tandard e4el a0reement
all Branche! !uitable annual bu!ine!!
meetin0
%e!3on!ibilit* of de!i0n ne' 3roduct
and anal*!i! of ne' 3roduct from ri!.
3roduct and to0ether 'ith 3roduct
de4elo3ment team, ri!. mana0ementteam, and !*!tem 3rocedure ando3erational, carr* out a 3ercenta0e of
O#8 and im3lemented ne' 3roduct toall branche!
u33ort all branche! of the a0enda
3romo either follo' ehibition!
"nal*!i! and decide !3ecial rate or
!3ecial treatment to0ether 'ith
trea!ur* team, and bu!ine!! director
and mana0in0 director le4el in the
deci!ion limit 3ro3o!ed !3ecial rate Monitorin0 the achie4ement of bu!ine!!
tar0et that all branche! and !u33ort the
21(;$$
Zulfkar, ST
Currculum Vitae
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3roce!! of acceleration in the form of
branch ei!tin0 credit deci!ion or
de4iation 3olic*
PT. Bank DKI BranchPekanbaru
:Depu- Bra.9 'aa0er;
<eam of credit a33ro4al le4el !uitablelimit credit from letter of deci!ion 586Director and %i!. Mana0ement
Re*ie< )rei a aal-+i+ of )rei :
o Aal-+i+ fia.ial :
anal*!i! of ca!h flo', balanced !heet
anal*!i! re3ort financial %O,%O+, %O",D+%, )%, <O, %<O,etc6
anal*!i! of !tructure credit 5net 'or.in0
ca3ital ba!ed on balanced !heet = ca!h
flo' to ma.e deci!ion 0i4e re4ol4in0 or
no re4ol4in0 and 3a*ment !chedule,con!um3ti4e loan ba!ed on ta.e home3a* and D% Debt er4ice ratio,
infe!tation loan ba!ed on balanced!heet 'ith anal*!i! NP> = %% to ma.e
deci!ion 0i4e 0race 3eriod or D) and
3a*ment !cheduleo Aal-+i+ Do.ume :
anal*!i! of document co!tumer, D
)ard/8<P, Number of ta
re0i!tration/NP?P, letter of 3ermit
com3an*/@P, letter of re0i!trationcom3an*/<@ or i0n of %e0i!trationcom3an*/<DP, !i0nature ha4e
re!3on!ibilit* of com3an*/8)<<
o Aal-+i+ of le0aliie+ =
"nal*!i! letter of a33ro4al )redit/PA8
5urat 3ene0a!an 3emberitahuan3er!etu&uan 8redit6 !uitable 'ith
di!3o!ition team of credit a33ro4al in
the 3ro3o!al credit
"nal*!i! of com3l* e4er* 3roce!! credit
and document credit 5document of co!tumer, !i0nature of co!tumer, re3ortof On the !3ot/O< or re3ort fea!ibilit*
!tud* and a33rai!al from a33rai!alcom3an*, 3ro3o!al credit and
document, B )hec.in0 le0alitie!/".ada.ad notarie!
"nal*!i! of document le0alitie! 'ith the
focu! content condition of a0reement
credit 5a.ada.ad, "P<,F+O, ca!!ie,a!!urance! etc6
o Aal-+i+ Ri+k 8 'ii0aio
Default %i!. : "nal*!i! of indu!trial ri!.
21A 21(
Zulfkar.,
ST
Curriculum Vitae
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or bu!ine!! ri!. 'ith concentration
indu!trial financial !tandard, anal*!i! of
internal mana0ement co!tumermiti0ation 'ith additional 0uaranteed or
additional eCuit* from co!tumer
hrin.in0 ri!. : un!ual bu!ine!! ri!.
li.e decrea!e !ale! of bu!ine!!miti0ation e4er* tran!action mu!t inone account or ma.e e!cro' account
)haracter ri!. :!ide !treamin0 li.e not
!uitable 'ith 0i4e credit 'indo'dre!!in0, brea. a 3romi!e of condition
a0reement credit miti0ation additional
a0reement ne0ati4e co4enant, defaultco4enant and B )hec.in0 or
recommendation 'ith eitin0 co!tumerand 4er* etreme not 0i4e credit
PT. Bank Mandiri
Regional Medan
Re0ioal )rei Re*ie<er 'aa0er
)ommer.ial
<eam of credit a33ro4al le4el !uitable
limit credit from letter of deci!ion 586
Director and %i!. Mana0ement 'ith limitD% A( bio
Monitorin0 and maintenance account
mana0ement
%e!3on!ible of tar0et lendin0 !e0ment
bu!ine!! M+
Re*ie< )rei a aal-+i+ of )rei :
o Aal-+i+ fia.ial :
anal*!i! of ca!h flo', balanced !heet
anal*!i! re3ort financial %O,%O+, %O",D+%, )%, <O, %<O,etc6
anal*!i! of !tructure credit 5net 'or.in0
ca3ital ba!ed on balanced !heet = ca!hflo' to ma.e deci!ion 0i4e re4ol4in0 or
no re4ol4in0 and 3a*ment !chedule,con!um3ti4e loan ba!ed on ta.e home
3a* and D% Debt er4ice ratio,infe!tation loan ba!ed on balanced!heet 'ith anal*!i! NP> = %% to ma.e
deci!ion 0i4e 0race 3eriod or D) and3a*ment !chedule
o Aal-+i+ Do.ume :
anal*!i! of document co!tumer, D
)ard/8<P, Number of tare0i!tration/NP?P, letter of 3ermit
com3an*/@P, letter of re0i!tration
com3an*/<@ or i0n of %e0i!tration
com3an*/<DP, !i0nature ha4ere!3on!ibilit* of com3an*/8)<<
o Aal-+i+ of le0aliie+ =
221A
Zulfkar, ST
Currculum Vitae
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"nal*!i! letter of a33ro4al )redit/PA8
5urat 3ene0a!an 3emberitahuan
3er!etu&uan 8redit6 !uitable 'ithdi!3o!ition team of credit a33ro4al in
the 3ro3o!al credit
"nal*!i! of com3l* e4er* 3roce!! credit
and document credit 5document of co!tumer, !i0nature of co!tumer, re3ort
of On the !3ot/O< or re3ort fea!ibilit*!tud* and a33rai!al from a33rai!al
com3an*, 3ro3o!al credit anddocument, B )hec.in0 le0alitie!/".ad
a.ad notarie!
"nal*!i! of document le0alitie! 'ith the
focu! content condition of a0reement
credit 5a.ada.ad, "P<,F+O, ca!!ie,
a!!urance! etc6
o Aal-+i+ Ri+k 8 'ii0aio Default %i!. : "nal*!i! of indu!trial ri!.
or bu!ine!! ri!. 'ith concentration
indu!trial financial !tandard, anal*!i! of
internal mana0ement co!tumermiti0ation 'ith additional 0uaranteed or
additional eCuit* from co!tumer
hrin.in0 ri!. : un!ual bu!ine!! ri!.
li.e decrea!e !ale! of bu!ine!!
miti0ation e4er* tran!action mu!t inone account or ma.e e!cro' account
)haracter ri!. :!ide !treamin0 li.e not!uitable 'ith 0i4e credit 'indo'dre!!in0, brea. a 3romi!e of condition
a0reement credit miti0ation additional
a0reement ne0ati4e co4enant, defaultco4enant and B )hec.in0 or
recommendation 'ith eitin0 co!tumerand 4er* etreme not 0i4e credit
PT. Bank Syariah Mandiri
Branch pekanbaru
A..ou offi.er :$""2>$""?;
<eam of credit a33ro4al le4el !uitablelimit credit from letter of deci!ion 586
Director and %i!. Mana0ement%e!3on!ibilit* for !er4ice Cualit* and
o3erational branch li.e front office, bac.office and Mar.etin0
Monitorin0 and maintenance account
mana0ement
%e!3on!ible of tar0et lendin0 !e0ment
bu!ine!! M+
Re*ie< )rei a aal-+i+ of )rei :
o Aal-+i+ fia.ial :
anal*!i! of ca!h flo', balanced !heet
2A2E
Zulfkar.,
ST
Curriculum Vitae
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anal*!i! re3ort financial %O,%O+, %O",
D+%, )%, <O, %<O,etc6
anal*!i! of !tructure credit 5net 'or.in0
ca3ital ba!ed on balanced !heet = ca!h
flo' to ma.e deci!ion 0i4e re4ol4in0 or
no re4ol4in0 and 3a*ment !chedule,
con!um3ti4e loan ba!ed on ta.e home3a* and D% Debt er4ice ratio,infe!tation loan ba!ed on balanced
!heet 'ith anal*!i! NP> = %% to ma.edeci!ion 0i4e 0race 3eriod or D) and
3a*ment !chedule
o Aal-+i+ Do.ume :
anal*!i! of document co!tumer, D
)ard/8<P, Number of tare0i!tration/NP?P, letter of 3ermit
com3an*/@P, letter of re0i!tration
com3an*/<@ or i0n of %e0i!trationcom3an*/<DP, !i0nature ha4e
re!3on!ibilit* of com3an*/8)<<
o Aal-+i+ of le0aliie+ =
"nal*!i! letter of a33ro4al )redit/PA8
5urat 3ene0a!an 3emberitahuan
3er!etu&uan 8redit6 !uitable 'ith
di!3o!ition team of credit a33ro4al inthe 3ro3o!al credit
"nal*!i! of com3l* e4er* 3roce!! credit
and document credit 5document of
co!tumer, !i0nature of co!tumer, re3ortof On the !3ot/O< or re3ort fea!ibilit*!tud* and a33rai!al from a33rai!al
com3an*, 3ro3o!al credit anddocument, B )hec.in0 le0alitie!/".ad
a.ad notarie!
"nal*!i! of document le0alitie! 'ith the
focu! content condition of a0reement
credit 5a.ada.ad, "P<,F+O, ca!!ie,
a!!urance! etc6o Aal-+i+ Ri+k 8 'ii0aio
Default %i!. : "nal*!i! of indu!trial ri!.or bu!ine!! ri!. 'ith concentration
indu!trial financial !tandard, anal*!i! of
internal mana0ement co!tumermiti0ation 'ith additional 0uaranteed or
additional eCuit* from co!tumer
hrin.in0 ri!. : unu!ual bu!ine!! ri!.
li.e decrea!e !ale! of bu!ine!!
miti0ation e4er* tran!action mu!t inone account or ma.e e!cro' account
)haracter ri!. :!ide !treamin0 li.e not
!uitable 'ith 0i4e credit 'indo'dre!!in0, brea. a 3romi!e of condition
a0reement credit miti0ation additional
Zulfkar, ST
Currculum Vitae
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a0reement ne0ati4e co4enant, default
co4enant and B )hec.in0 or
recommendation 'ith eitin0 co!tumerand 4er* etreme not 0i4e credit
)O(RSES / TRAININ
Name Of )our+e De+.ripio I+iuio Pla.e ear
)redit "nal*!i! "nal*!i! Of Fea!ibilit* tud*
"nal*!i! Of %i!. = Bu!ine!!"nal*!i! Of nfe!tation =
)a3ital ?or.in0
P<$BM P<$BM 5<rainin0
)enter, #a.arta6
2(
8no' our )o!tumer <o .no' ille0al tran!actionand re3ort to PP"<8, anal*!i!of 8)<</i0nature of co!tumer
P<$ BM P<$BM5<rainin0 )enter,#a.arta6
2(
%i!. Mana0ement "nal*!i! Of %i!. andre0ulation of Ba!el "ccord and
P<$BM P<$BM5<rainin0 )enter,#a.arta6
2E
Ne0otiation .ill "bilit* de4elo3ment !.illmar.etin053er!entation,!ellin0 !.ill,etc6
P<$BM P<$BM5<rainin0 )enter,#a.arta6
2E
)han0eMana0ement
"nal*!i! of chan0e bu!ine!! = com3an* !trate0* about
com3etition bu!ine!!
P<$BM P<$BM5<rainin0 )enter,
#a.arta6
2E
%i!. )redit "nal*!t %e4ie' Pro3o!al )redit 5( )Princi3al6%e4ie' Financial %e3ort%e4ie' e0alita! = document
%e4ie' of !tructure )red*t
P<$ Ban.Ma*a3ada
<rainin0 )enter,#a.arta
211
)ERTI&IED RISK 'ANAE'ENT
BM% e4el core 9
BM% e4el core
BM% e4el core
%e0ard!
ulfi.ar
Zulfkar.,
ST
Curriculum Vitae
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Zulfkar, ST
Currculum Vitae