Billy Setiawan

Background

About Billy Setiawan

Dedicated and results-driven Account Officer with strong experience in managing a diverse portfolio of business clients. Demonstrates advanced capability in conducting in-depth business and financial analysis to understand customer needs, evaluate risks, and identify growth opportunities. Serves as a trusted banking consultant by providing comprehensive recommendations and tailored financial solutions that support clients’ business development and long-term sustainability. Highly skilled in promoting and cross-selling a wide range of banking products, strengthening customer engagement, and contributing to overall business growth. Proficient in managing and resolving problematic or non-performing loans through structured approaches, negotiation strategies, and continuous monitoring to ensure healthy portfolio quality. Possesses strong credit analysis expertise, including the assessment of financial statements, cash flow projections, business feasibility, and repayment capacity to support prudent lending decisions. Committed to delivering excellent service, fostering strong client relationships, and contributing to the institution's performance through professionalism, integrity, and analytical excellence.