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)

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

<b>MOTTO</b>
Fast, Safe, Caring

Bank Universal BPR

<ul>
	<li>Process loan disbursement, booking, and settlement in accordance with approved credit decisions and SOP</li>
	<li>Manage loan administration and ensure the completeness and accuracy of credit documents</li>
	<li>Monitor active loan portfolios and credit facility data</li>
	<li>Handle safe keeping of credit and collateral documents</li>
	<li>Prepare and submit periodic loan operational reports</li>
	<li>Ensure loan processes are conducted accurately, timely, and in line with SLA</li>
	<li>Support internal and external audit activities</li>
	<li>Coordinate with related units to ensure smooth loan operations.</li>
</ul>

Loan Operational Officer

# Start as a small family business since 1980 and to be a legal company as PT. Jaya Kreasi Indonesia since 2000, as a window film Distribution company.
# And now as a window film distribution and application company nationwide with over 30 years of experience.
# As a supplier of window film to the largest auto brand agent in Indonesia since 2002.
# Approximately 500 employees 7 and service over 10 Pre- Delivery Installation (PDI).
# Has more than 80 Authorized Dealer Stores for sales network and after-sales services throughout Indonesia.

PT. Jaya Kreasi Indonesia

<ul>
	<li>Membuat dan mengembangkan gambar teknik 2D dan 3D menggunakan AutoCAD, SketchUp, dan software drawing 3D lainnya.</li>
	<li>Membuat rencana perbaikan berkelanjutan dari segi proses produksi maupun hal teknis lainnya</li>
	<li>Melakukan analisis teknis terhadap mesin, peralatan, dan sistem produksi.</li>
	<li>Melaksanakan maintenance preventif dan korektif pada mesin dan peralatan industri.</li>
	<li>Membantu proses instalasi, perbaikan, dan peningkatan performa mesin atau sistem elektro-mekanik.</li>
	<li>Melakukan pengecekan dan evaluasi kinerja alat untuk memastikan operasional berjalan optimal.</li>
	<li>Menyusun laporan teknis, dokumentasi gambar, dan data hasil pemeliharaan.</li>
	<li>Berkoordinasi dengan tim produksi, teknisi, dan bagian terkait dalam menyelesaikan masalah teknis.</li>
	<li>Memastikan seluruh pekerjaan sesuai dengan standar keselamatan kerja (K3).</li>
</ul>

Engineering

<ul>
	<li>Carry out operational checks related to opening savings and deposit accounts</li>
	<li>Checking transaction call backs</li>
	<li>Conformity of monthly reports and bookkeeping</li>
	<li>Inspection of credit files and on the spot debtors</li>
</ul>

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Loan Operational Officer

Engineering

Internal Auditor