CURRICULUM VITAE

PERSONAL DETAILS

Name : Tommy Liuyanto (Tomy Liuyanto Wong)Address : Komples Perumahan Taman Palem Lestari, Blok B 19 / No. 6, Cengkareng, 11730Phone : 08155 4199 746 / 08 999 807 805Email : tommy_liuyanto@yahoo.com

tommy.liuyanto@gmail.comtommy.liuyanto@rabobank.com

Gender : MaleHeight/Weight : 178 cm/73 KgPlace, Date of Birth : Jakarta, 28th March 1985Marital Status : SingleNationality : IndonesianReligion : BuddhistHealth : Good – Non Smoker

JOB PREFERENCE

Career Interest : I am now looking to build on my extensive range of analytical skills within a suitably challenging role in Credit Risk/Reviewer Department. I am keen to achieve further professional development.

EDUCATIONAL AND PROFESSIONAL QUALIFICATION

Formal Education :Period School/Institution/University Majoring Degree GPA

03 - 07 Tarumanagara University (Grogol) Economy (Finance) S1 3.6700 - 03 Candra Naya (Jembatan Besi) IPA SLTA97 - 00 Candra Naya (Jembatan Besi) -- SLTP91 - 97 Budi (Jembatan Besi) -- SD88 - 91 Budi (Jembatan Besi -- TK

Formal Training :1. Elementary, Intermediate, and Conversation English Course, 1998 - 2002

(CERTIFICATE issued by Washington English Course - Jelambar)

2. The Banking Basic for Marketing/Account Officer, 2007(Non CERTIFICATE - Inhouse Training by PT. Bank Haga)

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3. Marketing Skills, Introduction for Commercial Account Officer, 2008(CERTIFICATE issued by Susanto Onie – Managing Director of IIM)

4. Basic Credit & Marketing Training Program for Credit Analyst, 2009, with the scopes: Lending Rationales Financial Spreading Mechanic Financial Ratio Simple Cash Flow Format Financial Ratio Analysis Basic Statement Logic Current Account Analysis Proforma Financial Statement Cash Flow Budget Simple Projection Loan Structuring(CERTIFICATE issued by Susanto Onie – Managing Director of IIM)

5. Credit Restructurization : including the early warning signals, problem solving, and the calculation of Bank loss by using NPV, 2009(Non CERTIFICATE - Training by Susanto Onie – Managing Director of IIM)

6. Pre Intermediate I Business Writing Skill, 2010(CERTIFICATE issued by ILP – International Language Programs)

7. Anti Money Laundering – E-learning Programs, 2010(CERTIFICATE issued by PT. Rabobank International Indonesia)

8. Rabobank's Code Of Conduct Training, 2010(Non CERTIFICATE - Inhouse Training by PT. Rabobank International Indonesia)

9. Foreign Exchange Training (Cross Rate, TOM, Spot, Forward), 2010(Non CERTIFICATE - Inhouse Training by PT. Rabobank International Indonesia)

10. LBU Basel II Implementation Training, 2010(Non CERTIFICATE - Inhouse Training by PT. Rabobank International Indonesia)

11. CSR Implementation Training, 2010(Non CERTIFICATE - Inhouse Training by PT. Rabobank International Indonesia)

12. Customer Due Diligence/Enhanced Due Diligence Implementation Training , 2010(Non CERTIFICATE - Inhouse Training by PT. Rabobank International Indonesia)

13. BSMR Lv.1 Training, 2011(NON CERTIFICATE – Training by ORBIT)

14. Rabobank E-learning Programme, web : https://rabo.intuition.com/SignIn.aspx, 2011(CERTIFICATE – issued by Patrick Pancoast – Chief Learning Officer of Intuition)

Four courses/subjects shall be taken and completed during Semester II 2011, they are :1. Principles of Credit Analyst, with the scopes :

Credit Analysis – An Introduction Financial Analysis – An Introduction Principles of Credit Extention Cash Flow Forecasting

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Debt Capacity and Cash Flow Analysis Managing Credit Risk Risk & Credit StructureScore of final assessment for this course/subject = 100 (CERTIFICATE)

2. Bank Lending, with the scopes : Lending – An Introduction The Lending Cycle Collateral & Credit Risk Mitigation Part 1 Collateral & Credit Risk Mitigation Part 2 Syndicated Lending Loan Trading Problem LoansScore of final assessment for this course/subject = 100 (CERTIFICATE)

3. Budgeting, with the scopes : Budgeting – An Introduction Preparing & Controlling A Budget Financial Planning Cash Management Working Capital Management Credit ManagementScore of final assessment for this course/subject = 100 (CERTIFICATE)

4. Accounting, with the scopes : Accounting – An Introduction Analysis of the Income Statement Analysis of the Balance Sheet Analysis of the Cash Flow Statement Accounting Basics for Finance Proffesionals Understanding Financial ReportsScore of final assessment for this course/subject = 100 (CERTIFICATE)

15. Corporate Risk Management Phase 1 (Trainer : Joe Morrison), 2012(CERTIFICATE issued by Moody’s Analytics)

16. BSMR Lv.2 Training, 2013(NON CERTIFICATE – Training by ORBIT)

17. Supervisory Development Program Lv 2, 2014(CERTIFICATE – Training by Cicik Resti Consulting)

18. Effective Credit Writing, 2014(CERTIFICATE – Training by OMEGA)

19. Food & Agri Training Academy (10 Commodities)(CERTIFICATE – Training by Kementrian Perindustrian)

20. Food & Agri Training in relation to the Bank Focus (Cattle and Poultry)(CERTIFICATE – Training by Sucofindo)

21. BSMR Lv.3 Training, 21 – 23 October 2015(NON CERTIFICATE – Training by ARFAIDHAMS SECRET)

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SUMMARY OF FORMAL WORKING EXPERIENCE

Company : PT. Bank Haga- Year of working : April 2007 – September 2007- Position : Credit Reviewer TraineeJob Description :

1. Responsible for reviewing all the credit proposals (only for renewal accounts) prepared by Account Officer, with the loan limit above IDR. 2 billion, for all region, and ultimately provide recommendations

2. Reporting to Head Of Retail & SME Credit (Head of SME Lending)

- Year of working : October 2007 – Juni 2008- Position : Junior Credit Reviewer (staff)Job Description :

1. Responsible for reviewing all the credit proposals (renewal & additional accounts) prepared by Account Officer, with the loan limit above IDR. 2 billion, for all region, and ultimately provide recommendations

2. Reporting to Head Of Retail & SME Credit (Head of SME Lending)

Company : PT. Rabobank International Indonesia- Year of working : July 2008 – December 2008- Position : Junior Credit Analyst (staff)

- Year of working : January 2009 – December 2009- Position : Senior Credit Analyst (Officer)

- Year of working : January 2010 – July 2011- Position : Senior Credit Analyst (Ass. Manager)Job Description :

1. Responsible for preparing credit proposals, both for SME clients (loan limit ≤ IDR. 10 billion) and Commercial clients (IDR. 10 billion < loan limit ≤ IDR. 50 billion), for the Jakarta Region, and ultimately provide recommendations

2. Responsible for preparing the loan restructuring proposals, including the calculation of Bank loss by using NPV

3. Preparing the credit proposals in English for the loan limit above IDR. 10 billion to be reviewed by Commercial Credit Analyst before brought to Commercial Credit Committee

4. Making a business/site visit5. Acting as an alternate of SME Credit Analyst Team Leader Region Jakarta when the Team

Leader is on leave, and bringing the credit proposals to Credit Committee presentation6. Reporting to SME Credit Analyst Team Leader Region Jakarta

- Year of working : August 2011 – Present- Position : SME Credit Risk Team Leader Region Jakarta (Manager)Job Description :

1. Managing the SME Credit Reviewers from Region Jakarta, consists of 5 Reviewers + 1 Secretary

2. Monitoring Past Due Accounts to avoid them falling to NPL Accounts3. Question and Answer with OJK Audit

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4. Responsible for reviewing all the credit proposals prepared by SME Credit Reviewers from Region Jakarta (this Region consists of 40 branches, and currently merged into 13 branches) , with the loan limit up to IDR. 15 billion, and ultimately provide recommendations

5. Making a business/site visit6. Bringing the credit proposals to the Credit Committee presentation7. Preparing the Minutes of Credit Committee Decision8. Playing role as a Jakarta Regional Credit Committee for the loan limit up to IDR. 5 billion

(New & Additional) or up to IDR. 10 billion (Annual Review)9. Reporting to Head of SME Credit Risk

LANGUAGE PROFICIENCY

No LanguageCapability to

Read Write Talk Hear1 Indonesia Yes Yes Yes Yes2 English Yes Yes Yes Yes3 Mandarin No No Yes Yes4 Hokkien No No Yes Yes

EXECUTIVE SUMMARY (Brief explanation on Self Qualification, Working Ability, and Others)

o Giving a private tutoring (informal class) to Tarumanagara’s college students for the subjects : Financial Management, Budgeting, Statistic, Business Projection Techniques, Business Feasibility Study (Year 2004 – 2009)

o Achieved Charter of Honor (No. 364-D/TU/FE.UNTAR/II/2007) from Tarumanagara University for graduating with Cum Laude compliment and obtained the 6 th Rank from the Top 10 Graduates, in the Yudisium held on April 2007

o Achieved scholarship from Tarumanagara University within the last 4 Semesters (Year 2005 – 2006).o Having a good knowledge in MS. Office Application, Open Office, SPSS, and Linux o/s (i.e : Created

Financial Spreading in Ms. Excel to be used in SME Lending Segment)o Having a good knowledge in lending products of Banking institution. Also a knowledge in p utting

covenants to mitigate riskso Certificate for BSMR Level 1 (Score : 96) in 2011o Certificate for BSMR Level 2 in September 2013o Certificate for BSMR Level 3 in October 2015o Lecturer for Rabobank’s Retail Marketing Academy Program for the subjects : 5 Cs of Credit, and

Calculating Bank Statement (Year 2011)o Lecturer for Rabobank’s Relationship Officer Development Program for the subjects : Credit end to

end process, including the Financial Analysis & Study Case (Year 2012)o Lecturer for Rabobank’s SME Credit Analyst Training for the subjects : Increase the CA Quality,

Financial Analysis, Financial Puzzle (financial ratio games), and Study Case (giving the best recommendation, covenants to mitigate risks, and knowledge sharing) (Year 2012)

o Lecturer for Rabobank’s Credit Middle Officer (newly formed Division in 2013) for the subjects : Credit end to end process (year 2013)

o Chosen to be participant of Rabobank Talent Program (from year 2012 – On Going) : Self Skill Development, both hard skill and soft skill

Regards, (Tommy Liuyanto)

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