Bandar Lampung Branch Leader - Commercial Banking Growth

Uob; Indonesia; On-site; IDR 600,000,000 - 900,000,000; Full time

Benefits offered by this job

Annual bonuses

Health and life insurance

Pension scheme

Professional development opportunities

Job summary

Our client in Bandar Lampung seeks an experienced Credit Risk Manager to lead the credit risk function for their commercial banking portfolio. You will assess creditworthiness, guide risk strategy, and ensure adherence to risk appetite across lending, compliance, and operations.

The role requires strong leadership, deep credit knowledge, and collaboration with multiple departments to maintain a robust credit culture in the region.

Qualifications

• Bachelor's degree in Finance or related quantitative field.
• 7+ years in credit analysis or risk within banking.
• Strong knowledge of financial statement analysis and cash flow.

Responsibilities

• Develop, implement, and maintain credit risk policies for the commercial banking portfolio.
• Assess creditworthiness of borrowers and make loan recommendations.
• Monitor loan portfolio quality and identify distress signals.
• Review loan covenants and compliance with terms.
• Prepare credit risk reports for senior management and regulators.

Skills

Credit risk management

Financial analysis

Regulatory knowledge

Leadership

Education

Bachelor's degree in Finance

Tools

Risk modeling software

Job description

About the Role

Our client is seeking an experienced and insightful Credit Risk Manager to oversee the credit risk functions for their commercial banking operations in Bandar Lampung, Lampung . This pivotal role involves assessing, managing, and mitigating credit exposure for a diverse portfolio of commercial clients. The ideal candidate will possess a deep understanding of credit principles, financial analysis, and risk management frameworks within the banking sector. You will play a crucial role in ensuring the soundness of the loan portfolio, advising on credit strategy, and upholding the bank's risk appetite. This position requires strong leadership qualities and the ability to collaborate effectively with various departments, including lending, compliance, and operations, to maintain a robust credit culture. This role is critical to the financial health and stability of the bank's lending activities in the region.

Key Responsibilities

• Develop, implement, and maintain comprehensive credit risk management policies and procedures for the commercial banking portfolio.
• Analyze and assess the creditworthiness of potential and existing commercial borrowers, making recommendations on loan applications.
• Monitor the credit quality of the loan portfolio, identifying early warning signs of distress and developing proactive mitigation strategies.
• Conduct regular reviews of loan covenants and compliance with credit terms.
• Prepare detailed credit risk reports for senior management and regulatory bodies.
• Manage relationships with internal stakeholders to ensure alignment on credit risk appetite and strategy.
• Contribute to the development and enhancement of credit risk models and analytics.
• Provide guidance and mentorship to junior risk analysts and lending officers.
• Stay informed about industry best practices, regulatory changes, and economic conditions affecting credit risk in Bandar Lampung, Lampung .

Requirements

• Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field.
• Minimum of 7 years of experience in credit analysis, credit risk management, or a related role within the banking industry.
• Strong knowledge of financial statement analysis, cash flow evaluation, and loan structuring.
• In-depth understanding of credit risk principles, methodologies, and regulatory requirements.
• Proven ability to manage a loan portfolio and make sound credit decisions.
• Excellent analytical, decision-making, and problem-solving skills.
• Strong leadership, communication, and interpersonal skills.
• Proficiency in financial modeling and risk management software.
• Experience in the commercial banking sector is highly desirable.
• Knowledge of the economic and business environment in Bandar Lampung, Lampung .

Benefits

Our client offers a highly competitive salary and benefits package.

• generous annual bonuses
• comprehensive health and life insurance
• a pension scheme
• extensive opportunities for professional development and training

You will be part of a respected financial institution known for its stability and commitment to employee growth. The role offers significant autonomy and the chance to influence credit policy. Enjoy a supportive team environment and access to state-of-the-art risk management tools. We value our employees and provide resources for continuous learning and career progression within the organization. This is a permanent, on-site position focused on building robust credit operations.