Account Officer (Lending) KC Juanda

Krom; Kota Bandung; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A local financial institution is seeking an Account Officer (Lending) in Bandung, Indonesia. The successful candidate will manage and grow a portfolio of loan clients, assess financing needs, and prepare detailed credit proposals, while ensuring compliance with bank policies. Ideal applicants should have a bachelor’s degree and experience in banking and lending.

Qualifications

• At least 2 years of experience in marketing and lending within the banking industry.
• Strong knowledge of loan products, credit principles, and risk assessment.
• Understanding of Bank credit policies, procedures, and regulatory requirements.

Responsibilities

• Acquire new borrowers to grow the lending portfolio.
• Assess customer financing needs and offer suitable credit products.
• Prepare comprehensive credit proposals with financial analysis.

Skills

Customer relationship management

Financial analysis

Credit proposal writing

Loan products knowledge

Negotiation skills

Education

Bachelor’s degree (S1)

Job description

About the Role:

As an Account Officer (Lending), you will be responsible for acquiring, developing, and managing a high-quality loan portfolio to support sustainable credit growth. You will serve as the Bank’s frontline representative in identifying customer financing needs, offering tailored credit solutions, and building long-term, mutually beneficial relationships with both individual and business clients.

This role plays a critical part in driving healthy and responsible credit expansion through proactive customer engagement, deep credit analysis, and structured risk mitigation. Your performance will have a direct impact on the branch’s lending growth and the overall credit quality of the Bank.

Key Responsibilities include:

• Acquire new borrowers across individual and business segments to grow the branch’s lending portfolio in line with Bank targets.
• Assess customer financing needs and offer suitable credit products, including working capital, investment, and other loan types.
• Conduct in-depth business visits and interviews to evaluate the financial condition, character, and business prospects of prospective borrowers.
• Prepare comprehensive credit proposals (new or renewal) including financial analysis, payment structure, risk mitigation, and compliance with Bank policies.
• Ensure the completeness of loan documentation and coordinate with supporting units (legal, risk, credit review) for timely approval and disbursement.
• Monitor loan performance, payment behavior, and early warning indicators to ensure portfolio health.
• Maintain strong relationships with borrowers to support repeat financing opportunities and cross-selling of other Bank products.
• Collaborate with operations and legal teams to ensure smooth disbursement, agreement signing, and collateral processing.
• Report on credit pipeline, portfolio updates, and risk alerts to the Branch Manager.
• Refer funding needs to Account Officer (Funding) when applicable.
• Escalate unresolved customer needs or issues to contribute to product development and service improvement.
• Support achievement of branch credit KPIs through regular customer visits and active pipeline management.

About You:

We are looking for a credit-savvy, relationship-driven professional who:

• Holds a Bachelor’s degree (S1) in any major.
• Has at least 2 years of experience in marketing and lending within the banking industry.
• Possesses strong knowledge of loan products, credit principles, and risk assessment.
• Understands Bank credit policies, procedures, and regulatory requirements.
• Brings a strong network of existing or potential borrowers (preferred).
• Demonstrates solid financial analysis and credit proposal writing skills.
• Excels in communication, negotiation, and relationship management.
• Is proactive, customer-focused, and target-oriented with a strong sense of accountability.