Nickalus Zwan

Started at Capital Premium Financing in 2010 in the Operations Department before transitioning to the Loan Activation Department. Later advanced into the Credit Analysis team and currently serve as the Assistant Manager, overseeing credit operations and team development.

- Manage day to day operations of the credit analyst team, ensuring efficiency and process completion.
- Mentor and train employees, providing continuous development and guidance.
- Develop and implement processes to improve team performance and maintain compliance.
- Lead and run team meetings, setting clear expectations and fostering collaboration.
- Analyze financial statements to assess risk.
- Program special terms for agencies.
- Handle high level negotiations with relationship managers, applying strong listening and strategic skills.
- Oversee internal audits and ensure compliance with industry regulations.
- Support the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.