Credit Analyst Manager
cermaticom· Risk
About this role
Company 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.
Additional Information
Frequently Asked Questions
Is the salary disclosed for the Credit Analyst Manager position at cermaticom?
The salary for this Credit Analyst Manager role at cermaticom is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Credit Analyst Manager position at cermaticom located?
This Credit Analyst Manager role at cermaticom is based in Jakarta, Jakarta, Jakarta, Indonesia, id. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Credit Analyst Manager role at cermaticom full-time or part-time?
This is listed as a Full time position. It is posted as a Credit Analyst Manager role in the Risk department at cermaticom.
Which team or department does the Credit Analyst Manager at cermaticom belong to?
This Credit Analyst Manager position is part of the Risk department at cermaticom. See the full job description for more information about the team structure and responsibilities.
How do I apply for the Credit Analyst Manager position at cermaticom?
Click the "Apply Now" button on this page. You will be redirected to cermaticom's official application portal hosted on smartrecruiters where you can submit your application directly.
When was the Credit Analyst Manager job at cermaticom posted?
This Credit Analyst Manager position at cermaticom was posted on Jul 4, 2024. Apply as soon as possible — early applications are often reviewed first.
Credit Analyst Manager
cermaticom
You'll be redirected to cermaticom's official application page on SmartRecruiters.