Account Officer (Lending) KC Juanda

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

Job summary

A leading bank in Indonesia is seeking an experienced Account Officer (Lending) to manage a high-quality loan portfolio. The role involves acquiring new borrowers, assessing financing needs, and preparing credit proposals. Ideal candidates should have a Bachelor’s degree and at least 2 years of banking experience, with strong skills in financial analysis and credit principles. This position requires excellent communication and relationship management skills.

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 branch’s lending portfolio.
• Assess customer financing needs and offer suitable credit products.
• Prepare comprehensive credit proposals including financial analysis and risk mitigation.

Skills

Strong networking abilities

Financial analysis skills

Credit proposal writing

Communication skills

Negotiation skills

Education

Bachelor's degree (S1) in any major

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.