- Location
- Jakarta, DKI Jakarta
- Type
- Full-time
- Closing date
- Today
- Source
- ApplyToJob
Description
Job Objective/Goal
To conduct accurate and timely credit risk analysis, assessment, and monitoring to support sound credit decisions, maintain portfolio quality, and minimize the company’s potential credit losses.
Responsibilities
- Conduct credit assessments for credit applications submitted by individual and corporate customers.
- Assess borrowers’ financial capacity and repayment capability through analysis of financial statements, cash flow, and business profiles.
- Identify and evaluate credit risks associated with each credit facility application.
- Prepare credit analysis reports (credit memos) and provide recommendations for credit decisions.
- Monitor the quality of the credit portfolio and borrowers’ collectability on a regular basis.
- Conduct early warning assessments to identify borrowers with potential credit issues.
- Prepare data and reports for the Credit Committee and management.
- Support the development and improvement of credit policies and procedures.
- Coordinate with business units, Relationship Managers, and the Legal Department throughout the credit process.
- Document all credit analysis processes and decisions in accordance with applicable policies and regulations.
Authority
- Request financial information and supporting documents from borrowers or relevant business units.
- Provide recommendations for credit approval or rejection to the direct supervisor.
- Escalate high-risk or problematic credit cases to the Senior Credit Risk Analyst.
