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Corporate Credit Risk Analyst – Productive and Employee Loan at Cermati.com

Special capital Region of Jakarta, Java, Indonesia -

Full Time

Start Date

Immediate

Expiry Date

19 Feb, 26

Salary

0.0

Posted On

21 Nov, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Statement Analysis, Credit Assessment, Modeling, Underwriting, Documentation, Portfolio Monitoring, Risk Mitigation, Structuring, Industry Research, Compliance, Microsoft Office, Financial Modeling, Forecasting, Valuations, Attention to Detail, Risk-related Certification

Industry

Financial Services

Description

Job Description Financial Statement Analysis: Conduct in-depth analysis of corporate financial statements (Balance Sheet, Income Statement, Cash Flow) to assess a borrower's financial health, profitability, and cash flow generation. Credit Assessment & Modeling: Build and run financial models to project future performance and calculate critical credit metrics (e.g., debt-to-EBITDA). Determine the borrower's internal credit rating and risk profile. Underwriting & Documentation: Prepare comprehensive credit write-ups/memos detailing the findings, identifying risks, and recommending approval or denial of loan applications to the Credit Committee. Portfolio Monitoring: Continuously monitor a portfolio of corporate clients for compliance with loan covenants and track performance metrics. Identify and report early warning signs of financial distress. Risk Mitigation & Structuring: Recommend appropriate loan structures, collateral requirements, and pricing to mitigate identified credit risks and ensure the transaction aligns with the institution's risk appetite Industry Research & Compliance: Research industry trends and economic factors impacting borrowers. Ensure all credit decisions and processes adhere to internal risk policies and regulatory standards. Qualifications Minimum Bachelor degree in business/ finance/ accounting/ economics/ mathematics from a reputable university Minimum 2+ years experience in related field Fluent in English & Indonesia Proficient with Microsoft Office Proficient with finansial modelling including forecasting financials, valuations Possess basic knowledge of Indonesia taxation Possess high attention to detail Having risk-related certification is a plus

Responsibilities

Conduct in-depth analysis of corporate financial statements to assess a borrower's financial health and profitability. Prepare comprehensive credit write-ups detailing findings and recommending loan application approvals or denials.