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Hilda Agustin, Team Leader

Hilda Agustin

Team Leader·Bank Central Asia

United Arab Emirates

Bachelor's degree, Accounting And Economics

Work experience

Total years of experience: 13 years, 6 months

Team Leader

January 2023 - Present

Bank Central Asia

Tangerang, Indonesia

January 2023 - Present

• Led a team and monitoring individual target achievements within the team
• Provided guidance and support for business prospecting to customer
• Addressed and resolved challenges faced by team members
Company industry:
Banking

Associate Account Officer-Supervisor

January 2020 - Present

Bank Central Asia

Tangerang, Indonesia

January 2020 - Present

• Initiated credit and input data, and analyzed credit applications for medium enterprises
• Offered consumptive and productive loans, and monitored credit utilization
• Processed credit restructuring applications for debtors, and prepared bank guarantees and letters of credit
Company industry:
Banking

Assistant Account Officer-Supervisor

January 2018 - Present

Bank Central Asia

Tangerang, Indonesia

January 2018 - Present

• Inputted and analyzed new applications for small business client credit
• Offering credit products, ensuring credit facility utilization, and maintained debtor outstanding credit
• Analyzed data for small business loan credit extension processes
• Assisting senior Account Officers with credit data input
• Increased debtor product portfolio at BCA by offering unowned banking products
Company industry:
Banking

Office Administration-Senior Staff

January 2013 - Present

Bank Central Asia

Tangerang, Indonesia

January 2013 - Present

• Supervising data entry, journal input, approving journal entries and prepared bank reference letters
• Processing payments to suppliers, reimbursements, and stock opname for office equipment and supplies
• Providing system ID administrator back, coordinating meeting preparations and branch events
• Managed petty cash for Main Branch and Sub Branch of BCA
• Data entry and financial journal entry, Prepared daily journals
• Coordinated orders for office stationery, banking forms, and employee uniforms, cars and drivers
Company industry:
Banking

Senior Business & Credit Analyst

January 2024 - April 2026

Bank Central Asia

Tangerang, Indonesia

January 2024 - April 2026

• Conducted customer visits, analysis, and input of credit applications for enterprise and commercial clients.
• Presented analysis findings for interest rate and credit ceiling negotiations
• Maintaining branch credit volume, Ensured service level adherence for credit processing through to realization
• Fostered customer engagement through gatherings and survey programs
• Monitoring Non-Performing Loans (NPL), and Acquired Assets (AYDA)
• Increasing Current Account Saving Account (CASA) volume
• Acquire new debtors for productive and consumptive loan, Offering Bancassurance and asset insurance
Company industry:
Banking
Job role:
Banking

Associate Business Relationship Officer - Project Manager

January 2024 - March 2026

Bank Central Asia

Tangerang, Indonesia

January 2024 - March 2026

• Conducted customer visits, analysis, and input of credit applications for enterprise and commercial clients.
• Presented analysis findings for interest rate and credit ceiling negotiations
• Maintains branch credit volume up to USD 5M - 10M
• Fostered customer engagement through gatherings and survey programs
• Monitors Non-Performing Loans (NPL) below 2.5%, and Acquired Assets
• Drives Current Account Savings Account (CASA) volume by 10-15%
• Acquires 8-15 enterprise debtors per quarter for retail and commercial lending
Company industry:
Banking

Business Credit Analyst

March 2013 - March 2026

Bank Central Asia

Tangerang, Indonesia

March 2013 - March 2026

1. Directly engaged with clients to understand their needs and provide suitable banking solutions, contributing to customer satisfaction and loyalty.

2. Actively participated in business development initiatives, likely involving identifying new market opportunities, expanding the client base, and increasing product penetration.

3. Led a team as a Team Leader, coordinating efforts and guiding colleagues to achieve departmental goals. This likely involved direct project oversight related to client acquisition or service improvements within the team.

4. Success in these roles would involve projects focused on client acquisition campaigns, product cross-selling initiatives, improving customer retention rates, or implementing new sales strategies. Performance reviews consistently Meet expectation.
Company industry:
Banking
Job role:
Banking

Team Leader

January 2023 - December 2023

Bank Central Asia

Tangerang, Indonesia

January 2023 - December 2023

• Led a team of 8 relationship officers and monitored combined portfolio of USD 20M+
• Provided guidance and support for business prospecting to 30-50 new SME accounts over 10 months
• Addressed and resolved challenges faced by team members
• Monitored 20-50 quality Leads per week across team members
• Maintained teamwork and team engagement
Company industry:
Banking

Associate Business Relationship Officer-Supervisor

January 2022 - January 2023

Bank Central Asia

Tangerang, Indonesia

January 2022 - January 2023

• Initiated credit processes and conducted credit visits to debtors
• Analyzed 5-8 medium enterprise credit applications monthly and additional credit applications for business or
investment asset purchases (land, buildings) totaling USD 2.5M - 5M in credit ceiling every cycle
• Successfully executed 10-20 credit takeovers from competitor banks worth USD 1M - 3M
• Conducted 10-15 site visits per month for collateral and business verification
• Acquired 15-25 new individual and corporate accounts per month
Company industry:
Banking

Associate Account Officer-Supervisor

January 2018 - January 2020

Bank Central Asia

Tangerang, Indonesia

January 2018 - January 2020

• Conducted credit initiation from clients through document submission and approval tracking
• Managed loan portfolio of USD 600K - 2M with consistent utilization rate above 70%
• Processed more than 20 credit restructuring applications for debtors, bank guarantees and letters of credit
• Analyzed credit applications for more than 10 medium enterprises
• Participated in 2-3 events and expos annually and generating more than 50 leads per event
Company industry:
Banking

Staff Office Administration-Senior

January 2013 - January 2018

Bank Central Asia

Tangerang, Indonesia

January 2013 - January 2018

• Supervised data entry, journal input, approved journal entries and prepared bank reference letters
• Processed payments to suppliers, reimbursements, and inventory count for office equipment and supplies
• Provided back-office system administration, coordinated meeting preparations and branch events
• Managed petty cash fund of USD 3K - 12.5K monthly for Main Branch and Sub Branch of BCA
• Prepared daily journals with 200-400 transactions per day
• Coordinated orders for office stationery, banking forms, and employee uniforms, cars and drivers
Company industry:
Banking

Education

Trisakti University

September 2014

September 2014

Bachelor's degree, Accounting And Economics

Indonesia

Skills

Business Growth

Expert

Customer Relationship Management

Expert

Team Leadership

Expert

Financial Operations

Expert

Credit Analysis

Expert

BUSINESS ANALYSIS

Intermediate

PRIVATE BANKING

Intermediate

BUSINESS OPERATIONS

Intermediate

COORDINATING

Intermediate

CREDIT MANAGEMENT

Intermediate

FINANCE

Intermediate

CREDIT ANALYSIS

Intermediate

BUSINESS EXPANSION

Intermediate

LEADERSHIP

Intermediate

TOURISM

Intermediate

Business analyst

Expert

Credit analyst

Expert

Loan portfolio analyst

Expert

Project Management

Expert

Relationship Management

Expert

Consultative Selling

Expert

Business Development

Expert

Customer Engagement

Expert

Financial Administration

Expert

Non-Performing Loan (NPL) Monitoring

Expert

Credit Restructuring

Expert

Bank Guarantees

Intermediate

Letters of Credit

Intermediate

Petty Cash Management

Expert

Financial Journal Entry

Expert

Credit Facility Utilization

Expert

Account Acquisition (Individual & Corporate)

Intermediate

Team Leadership

Intermediate

Analytical Skills

Expert

Detail-Oriented

Expert

Reliability

Expert

Professionalism

Expert

Adaptability

Expert

Problem Solving

Intermediate

Office Administration

Expert

Data Entry

Intermediate

Document Preparation

Expert

Internal Coordination

Expert

Meeting Coordination

Expert

Office Stationery Management

Expert

Microsoft Office Suite

Expert

Google Workspace

Expert

Digital Communication Tools

Expert

Accounting Information Systems

Expert

BUSINESS RELATIONSHIP MANAGEMENT

Intermediate

CONTRACT MANAGEMENT

Intermediate

COST ACCOUNTING

Intermediate

DATA ANALYSIS

Intermediate

ACCOUNT MANAGEMENT

Intermediate

BANKING

Intermediate

BUSINESS TO BUSINESS

Intermediate

COMPLIANCE REPORTING

Intermediate

INVESTMENT MANAGEMENT

Intermediate

OPERATIONS

Intermediate

RETAIL EXPERIENCE

Intermediate

RISK AWARENESS

Intermediate

SME FINANCE

Intermediate

Languages

English

Intermediate

Indonesian

Native Speaker

Japanese

Beginner

Hobbies and interests

Reading