Credit Analyst Manager
at Indodana
Jakarta, JKT, Indonesia -
Start Date | Expiry Date | Salary | Posted On | Experience | Skills | Telecommute | Sponsor Visa |
---|---|---|---|---|---|---|---|
Immediate | 09 Oct, 2024 | Not Specified | 10 Jul, 2024 | 3 year(s) or above | Regulatory Compliance,Computer Skills,Economics,Analytical Skills,Communication Skills,Financial Analysis,Credit Analysis,Finance | No | No |
Required Visa Status:
Citizen | GC |
US Citizen | Student Visa |
H1B | CPT |
OPT | H4 Spouse of H1B |
GC Green Card |
Employment Type:
Full Time | Part Time |
Permanent | Independent - 1099 |
Contract – W2 | C2H Independent |
C2H W2 | Contract – Corp 2 Corp |
Contract to Hire – Corp 2 Corp |
Description:
JOB DESCRIPTION
- Responsible for conducting credit evaluations on companies to ensure loan feasibility and repayment capability.
- Work in credit risk management teams to identify and evaluate credit risks, and provide recommendations on loan approvals or rejections.
- Play a key role in supporting the growth of productive credit portfolios and ensuring the quality of credit assets is maintained.
Main Responsibilities:
- Credit Analysis: Conduct comprehensive credit analysis on companies to assess creditworthiness, including analyzing financial statements, cash flows, financial ratios, and business risks. Generally, Credit Analysts should understand the assessment of the 5 Cs (character, capacity, capital, collateral, and condition).
- Risk Assessment: Evaluate credit risks associated with each company, including industry risk, market risk, and operational risk, to understand potential credit losses.
- Portfolio Monitoring: Regularly monitor the company’s credit portfolio to identify potential credit risks and take necessary actions to mitigate risks.
- Credit Commitments: Analyze and determine the appropriate amount and terms of loans for each company based on credit analysis results.
- Report Preparation: Prepare credit analysis reports and credit recommendations for senior management and credit committees, including routine reports to regulators.
- Team Collaboration: Collaborate with sales teams, risk management, and other departments to ensure efficient and timely credit decision-making processes.
- Compliance and Regulation: Ensure that all credit analysis processes comply with company regulations and policies as well as applicable banking and financial compliance standards.
- Market Development: Identify new opportunities for business growth and portfolio development in relevant Company business sectors.
- Information Updates: Keep abreast of relevant industry developments and market trends to ensure continuous updates and improvements in credit analysis processes.
- Customer Relations: Build and maintain good relationships with companies to strengthen long-term business relationships.
QUALIFICATIONS
- Minimum Bachelor’s degree (S1) in finance, economics, or related field.
- Minimum 3 years of work experience in credit analysis or in banking or financing institutions involved in productive lending.
- Strong analytical skills and deep understanding of financial analysis.
- Good communication skills (both oral and written).
- Ability to work independently as well as in a team.
- Strong understanding of banking and financial regulatory compliance.
- Good computer skills, especially in spreadsheet and financial analysis software usage.
Responsibilities:
- Credit Analysis: Conduct comprehensive credit analysis on companies to assess creditworthiness, including analyzing financial statements, cash flows, financial ratios, and business risks. Generally, Credit Analysts should understand the assessment of the 5 Cs (character, capacity, capital, collateral, and condition).
- Risk Assessment: Evaluate credit risks associated with each company, including industry risk, market risk, and operational risk, to understand potential credit losses.
- Portfolio Monitoring: Regularly monitor the company’s credit portfolio to identify potential credit risks and take necessary actions to mitigate risks.
- Credit Commitments: Analyze and determine the appropriate amount and terms of loans for each company based on credit analysis results.
- Report Preparation: Prepare credit analysis reports and credit recommendations for senior management and credit committees, including routine reports to regulators.
- Team Collaboration: Collaborate with sales teams, risk management, and other departments to ensure efficient and timely credit decision-making processes.
- Compliance and Regulation: Ensure that all credit analysis processes comply with company regulations and policies as well as applicable banking and financial compliance standards.
- Market Development: Identify new opportunities for business growth and portfolio development in relevant Company business sectors.
- Information Updates: Keep abreast of relevant industry developments and market trends to ensure continuous updates and improvements in credit analysis processes.
- Customer Relations: Build and maintain good relationships with companies to strengthen long-term business relationships
REQUIREMENT SUMMARY
Min:3.0Max:8.0 year(s)
Financial Services
Accounts / Finance / Tax / CS / Audit
Finance
Graduate
Finance economics or related field
Proficient
1
Jakarta, Indonesia