Budhi H.

• Founded and managed an MSME engaged in catering services (lunch box & snack box) and routine production of baked goods including bread and donuts • Oversaw end-to-end business operations: procurement, production planning, cost control, vendor negotiation, and client acquisition • Managed business cash flow, pricing strategy, and monthly financial reporting independently • Built and maintained client relationships with corporate and institutional customers for recurring catering orders

- Evaluate credit proposals and assess borrower risk profiles - Conduct financial statement analysis and cash flow projections - Build and validate credit scoring models - Monitor loan portfolio quality, NPL trends, and early warning signals - Identify concentration risk and recommend portfolio rebalancing - Set credit risk appetite, tolerance limits, and underwriting standards - Develop and update credit risk policies and lending guidelines

- Acquire new clients (individuals & businesses) - Build and maintain long-term client relationships - Meet individual sales targets for lending & funding products - Analyze client financial data and creditworthiness - Prepare and submit credit proposal memoranda - Monitor loan quality and early warning indicators - Provide financial advisory and product recommendations - Ensure high client satisfaction and retention - Prepare regular performance and portfolio reports

• Completed structured banking apprenticeship program covering credit, retail banking operations, and customer service • Rotated across multiple departments to build foundational knowledge of BRI's banking products, internal processes, and compliance standards