Universal BPR is a community bank founded in 2003 by Kaman Siboro and Stephen Satyahadi - two individuals with more than 30 years of experience in banking sector. The bank is engaged in the provision of loan, saving and deposit to individuals and SMEs. For lending segment, the current ticket size is ranging from 100 million to 10 billion rupiah per customer.

Universal BPR group currently operates 10 branches located in 8 cities of Indonesia.

Universal BPR is registered and regulated by OJK (financial services authority) and is a member of LPS (deposit insurance)

MISSION STATEMENT
To become a bank that focuses on improving the quality of life of the community with integrity, respect and continuous improvement.

MOTTO
Fast, Safe, Caring

Bank Universal BPR

<ul>
	<li>Review legal validity of documents, as well as the legal capacity of parties involved in credit agreements and collateral binding</li>
	<li>Execute credit agreements and collateral binding with customers</li>
	<li>Prepare and draft MoU for cooperation with KJPP</li>
	<li>Prepare reports related to Auctions, AYDA, and Credit Agreements</li>
	<li>Prepare documentation for Auctions and AYDA.</li>
</ul>

Legal Litigasi Jambi Area

<ul>
	<li>To achieve funding products sales target (i.e. savings &amp; time deposit)</li>
	<li>Maintain good relationship with customers</li>
	<li>Increase market share and portfolio</li>
	<li>Provide service excellence to customers</li>
	<li>New customer acquisition</li>
</ul>

Funding Officer Jambi Area

PT Hino Finance Indonesia ("HFI/Company") was established based on a joint venture agreement between Hino Motors Ltd., PT Indomobil Multi Jasa Tbk., and Summit Global Auto Management B.V. (part of Sumitomo Corporation) in accordance with the Deed of Establishment dated July 11, 2014. HFI is a captive financing company for commercial trucks, especially for the Hino brand, which is here to support the sales of Hino products in Indonesia through financing solutions such as, finance leases, sale and leaseback, and other products according to the company's articles of association, which are tailored to customer needs.

Hino Finance Indonesia

<ul>
	<li>Analyze all financial data for lease application proposal and check the validity &amp; accuracy of customers data (minimum 5 C's of Credit), including counting financial ratios</li>
	<li>Provide recommended terms and conditions for the lease application</li>
</ul>

Credit Analyst Jambi

PT BFI Finance Indonesia Tbk (BFI Finance) is one of the long-established pioneers in the financing sector in Indonesia. Founded in 1982, BFI Finance is recognized as a company with a wide network, supported by more than 200 financing outlets across provinces. In 1990, the Company became one of the first multifinance companies to list its shares on the Jakarta Stock Exchange and Surabaya Stock Exchange (both now known as IDX), with the ticker code BFIN.

PT BFI Finance Indonesia Tbk

Melakukan kunjungan &amp; penagihan angsuran kepada konsumen yang telat bayar 1-90 hari

Melakukan pengantaran Surat Peringatan kepada konsumen yang tidak melakukan pembayaran

Melakukan pengamanan atau penarikan unit konsumen (Mobil)

Collector Car Cabang Muaro Jambi Sengeti

<ul>
	<li>Memasarkan produk kredit pada calon debitur</li>
	<li>Menganalisa, memastikan calon debitur sesuai dengan target market dan dapat diproses lebih lanjut</li>
	<li>Membuat Proposal Kredit</li>
	<li>Melakukan proses kredit sesuai dengan koridor dan SLA yang ditentukan</li>
	<li>Mengelola debitur yang ada serta mengembangkan referral dari debitur existing</li>
	<li>Mengevaluasi kondisi kualitas debitur (portofolio kredit, usaha, agunan), termasuk monitoring aging tunggakan</li>
	<li>Melakukan penagihan (desk collection, dan kunjungan) atas angsuran kredit</li>
	<li>Membuat dan melakukan Rencana Tindak Lanjut pada debitur bermasalah.</li>
</ul>

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Legal Litigasi Jambi Area

Funding Officer Jambi Area

Credit Analyst Jambi

Collector Car Cabang Muaro Jambi Sengeti

Relationship Manager SME Jambi Area