Commercial Credit Analyst

Permata Bank; Indonesia; On-site; IDR 180,000,000 - 280,000,000; Full time

Job summary

PermataBank is seeking a Credit Risk professional with solid experience in evaluating corporate and commercial credit proposals. You will conduct comprehensive credit analysis with Relationship Manager support, identify risks, and escalate issues per SLA to protect portfolio health.

The role requires strong financial analysis skills, both quantitative and qualitative, and the ability to monitor covenant compliance while delivering reliable risk judgments in a fast-paced banking environment.

Qualifications

• Minimum 3 years of experience in Credit Risk within Corporate/Commercial Banking.
• Strong ability to analyze financial reports and assess credit risk.
• Solid quantitative and qualitative analysis skills.
• Excellent communication, time management, and work management abilities.

Responsibilities

• Conduct comprehensive credit analysis on credit proposals submitted by collaborating with Relationship Manager according to targets and SLA.
• Identify potential risks that will occur and provide risk mitigation and ensure all negative issues related to an application are escalated properly.
• Monitoring account health through covenant monitoring.

Skills

Strong financial analysis

Credit risk assessment

Quantitative & qualitative analysis

Communication and time management

Job description

We are one of the top 10 biggest banks in terms of assets in Indonesia and listed in the Indonesia Stock Exchange, that offer banking products and services that help people and companies to succeed, creating wealth and growth through our Retail Banking, SME and Wholesale businesses.

Why PermataBank?

Here at PermataBank, you will Learn, Grow, and Make A Difference, Learn

You will have the appetite and the ability to learn many things, challenged to grow beyond ways you can imagine, and see the incredible difference you would have made along the journey.

This is our platform for you. We cannot promise a smooth ride, but rest assured, it is going to be a meaningful journey!

• Learn : We always think innovatively to improve the way we work, making it easier, better and faster.
• Grow : We provide excellent service to customers and encourage excellent performance in our daily work.
• Make a difference : We understand each other and together build strong relationships with internal and external parties based on mutual respect.

Job Description :

• Conduct comprehensive credit analysis on credit proposals submitted by collaborating with Relationship Manager according to the targets and SLA.
• Identify potential risks that will occur and provide risk mitigation and ensure all negative issues related to an application are escalated properly.
• Monitoring account health through covenant monitoring.

Job Qualification :

• Min. 3 years of experience in Credit Risk in the Corporate/ Commercial Banking Industry.
• Excellent in financial report analysis, understanding of credit risk, and experience/ background in the credit.
• Good quantitative and qualitative analysis skills.
• Good communication, time management and work management skills.