Credit Analyst (Financial Services)

at  Mekari PT Mid Solusi Nusantara

Mekari is Indonesia’s no. 1 Software-as-a-Service (SaaS) company. Our mission is to empower businesses and professionals to progress effortlessly. Our products (Mekari Talenta, Mekari Jurnal, Mekari KlikPajak, Mekari Qontak & Mekari Financial Services) have been used by tens of thousands of businesses in Indonesia.

JOB SUMMARY:

Mekari Financial Services is seeking a Credit Risk Analyst with 1-3 years of experience to join our dynamic team. The successful candidate will have a keen eye for detail, a strong understanding of financial statements, and a passion for evaluating the financial health of businesses. This role is crucial in supporting our company’s mission of providing top-tier lending services to our business clients by ensuring we make well-informed lending decisions.

QUALIFICATIONS:

• Bachelor’s degree in Finance, Economics, Accounting, or a related field.
• 1-3 years proven of experience as a credit analyst, preferably in SMEs would be an added advantage.
• Positive attitude and self-motivated
• Proficiency in analyzing financial statements and understanding financial ratios.
• Strong analytical, problem-solving, and decision-making skills.
• Ability to work independently and handle multiple projects concurrently.
• Excellent verbal and written communication skills.
• Knowledge of industry-specific software and tools is a plus.

• Financial Statement Analysis: Review and analyze business financial statements including balance sheets, income statements, and cash flow statements.
• Credit Risk Assessment: Evaluate the creditworthiness of potential clients by determining their financial stability, liquidity, profitability, and payment history.
• Loan Recommendation: Prepare detailed credit memo to our committee that include recommendations for loan approvals, modifications, or rejections based on a thorough analysis.
• Ongoing Portfolio Management: Monitor and manage existing loan portfolios to identify any potential risks or changes in clients’ financial positions.
• Market Trend Analysis: Stay updated with market trends and economic indicators that could affect the credit risk associated with current and potential clients.
• Collaboration: Work closely with the sales and loan processing teams to expedite loan processes and ensure that credit policies are adhered to.
• Continuous Learning: Stay updated with industry best practices, regulations, and new analytical techniques to enhance the credit evaluation process.