Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Reza Pramono

Perth,WA

Summary

Dedicated and results oriented Credit Risk Analyst with over 10 years of experience in assessing creditworthiness, analysing financial data, and developing risk mitigation strategies. Proven track record of delivering accurate and actionable insight to optimise credit decisions and minimise risks exposure.

Overview

14
14
years of professional experience

Work History

Credit Risk Analyst

Bankwest
01.2012 - Current
  • Conduct comprehensive assessment of credit applications and financial documents to evaluate borrower’s creditworthiness
  • Analyse credit risk factors, including income, debt-to-income ratio, payment history, and collateral to determine risk levels and make informed lending decisions
  • Collaborate with other departments to review credit proposals, ensuring adherence to company policies and regulatory requirements
  • Utilise statistical modelling and data analysis techniques to review gaps in processes and policies
  • Develop and maintain credit risk models, incorporating industry best practices and historical data to enhance risk assessment accuracy
  • Monitor and analyse portfolio performance, identifying trends and potential areas of concern to recommend proactive risk management strategies
  • Prepare a detailed credit risk reports and presentations for management, outlining key findings, risk exposures, and recommended actions
  • Participate in change projects of credit policies and underwriting procedures guidelines to adapt to changing market conditions and APRA regulations
  • Assist in training and development of Junior analyst, ensuring alignment with Department’s goals and best practices.

Teller

Bankwest
01.2010 - 01.2012
  • Process various financial transactions including deposits, withdrawals, transfers, and loan payments accurately and efficiently
  • Provide exceptional customer service by greeting customers, addressing enquiries, and resolving issues promptly and courteously
  • Promote Bank’s products and services, effectively identifying opportunities to meet customer’s financial needs
  • Balance cash drawer at the beginning and end of the shift, ensuring accuracy and compliance with procedures
  • Perform routine account maintenance tasks such as updating customer information.

Education

Master of Accounting -

Curtin University
Perth, WA
2009

Bachelor of Commerce - Marketing and Advertising

Curtin University
Perth, WA
2007

Skills

  • Communication skills
  • Attention to details
  • Problem solving
  • Regulatory compliance awareness
  • Time management
  • Credit risk assessment
  • Data analysis
  • Risk mitigation

Languages

Indonesian
Native or Bilingual
English
Full Professional

Timeline

Credit Risk Analyst

Bankwest
01.2012 - Current

Teller

Bankwest
01.2010 - 01.2012

Master of Accounting -

Curtin University

Bachelor of Commerce - Marketing and Advertising

Curtin University

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Reza Pramono