Account Officer (Lending) KC Mangga Dua

Krom; Jakarta Pusat; On-site; IDR 120,000,000 - 180,000,000; Full time

Job summary

Krom is seeking an Account Officer (Lending) in Jakarta to drive lending growth by acquiring and managing a customer portfolio with tailored credit solutions. You will ensure loyalty through proactive service and long-term relationship building.

Requirements include a Bachelor’s degree and at least 2 years in banking marketing, with strong knowledge of loan products, credit principles, and risk assessment. Excellent communication and negotiation skills are essential.

Qualifications

• Bachelor’s degree (S1) in any major.
• Minimum 2 years of marketing experience within the banking industry.
• Strong knowledge of banking policies, loan products, and credit principles.
• Understanding of risk assessment and credit analysis.
• Excellent communication, negotiation, and relationship-building skills.
• Proactive, analytical, and target-oriented with strong business acumen.

Responsibilities

• Acquire and develop potential debtors to achieve lending portfolio targets.
• Identify customer financing needs and propose suitable credit products.
• Prepare comprehensive credit proposals with financial analysis and risk mitigation.
• Conduct business visits to assess customers’ conditions and prospects.
• Ensure complete documentation and coordinate with legal, risk, and credit review.
• Monitor loan portfolio performance, repayment, and early warning indicators.
• Maintain strong customer relationships and identify cross-selling opportunities.
• Collaborate with Funding Officers to grow branch deposits.
• Provide regular reporting on pipeline, portfolio, and key risk issues.
• Handle customer escalations to ensure excellent service delivery.

Skills

Communication

Negotiation

Relationship building

Analytical thinking

Target orientation

Business acumen

Customer networking

Education

Bachelor's degree

Job description

About the Role

As an Account Officer (Lending), you will be at the forefront of driving the Bank’s lending growth. Your role is to acquire, develop, and manage a customer portfolio by providing tailored credit solutions that fit their financial and business needs. You will also play a key part in ensuring customer loyalty through proactive service, cross-selling, and long-term relationship building.

Key Responsibilities include:

• Acquire and develop potential debtors (individuals or businesses) to achieve lending portfolio targets.
• Identify customer financing needs and propose suitable credit products (working capital, investment, etc.).
• Prepare comprehensive credit proposals covering financial analysis, repayment schemes, and risk mitigation.
• Conduct business visits to assess customers’ conditions and business prospects.
• Ensure complete documentation and coordinate with supporting units (legal, risk, credit review).
• Monitor loan portfolio performance, repayment, and early warning indicators.
• Maintain strong customer relationships and identify cross-selling or repeat financing opportunities.
• Collaborate with Funding Officers to grow branch deposit (DPK) portfolios.
• Provide regular reporting on pipeline, portfolio, and key risk issues.
• Handle customer escalations to ensure excellent service delivery.

About You

We are looking for a results-driven and customer-focused professional who:

• Holds a Bachelor’s degree (S1) in any major.
• Has minimum 2 years of experience in marketing within the banking industry.
• Possesses strong knowledge of banking policies, loan products, and credit principles.
• Understands risk assessment and credit analysis.
• Brings an existing customer network (preferred).
• Has excellent communication, negotiation, and relationship-building skills.
• Is proactive, analytical, and target-oriented with a strong business acumen.