Corporate Credit Risk Analyst – Productive and Employee Loan

Cermati; Daerah Khusus Ibukota Jakarta; On-site; IDR 100.000.000 - 200.000.000; Full time

Job summary

A financial services company in Jakarta is looking for a Corporate Credit Risk Analyst to conduct thorough financial analyses and credit assessments for corporate clients. You're expected to prepare detailed credit write-ups, monitor portfolios for compliance, and recommend appropriate loan structures to mitigate risks. Candidates should have a Bachelor's degree in finance or related fields, at least 2 years of relevant experience, and be fluent in both English and Indonesia. The role involves significant analytical and financial modeling capabilities.

Qualifications

• Minimum 2+ years experience in related field.
• Fluent in English & Indonesia.
• Proficient with financial modeling including forecasting financials and valuations.
• Possess basic knowledge of Indonesia taxation.
• Having risk-related certification is a plus.

Responsibilities

• Conduct in-depth analysis of corporate financial statements.
• Build and run financial models to project future performance.
• Prepare comprehensive credit write-ups/memos.
• Continuously monitor a portfolio of corporate clients.
• Recommend loan structures and pricing to mitigate credit risks.
• Research industry trends impacting borrowers.

Skills

Financial Statement Analysis

Credit Assessment & Modeling

Portfolio Monitoring

Industry Research

Attention to Detail

Education

Bachelor's degree in business/finance/accounting/economics/mathematics

Tools

Microsoft Office

Job description

Corporate Credit Risk Analyst – Productive and Employee Loan

• Full-time
• Financial Statement Analysis: Conduct in-depth analysis of corporate financial statements (Balance Sheet, Income Statement, Cash Flow) to assess a borrower's financial health, profitability, and cash flow generation.
• Credit Assessment & Modeling: Build and run financial models to project future performance and calculate critical credit metrics (e.g., debt-to-EBITDA). Determine the borrower's internal credit rating and risk profile.
• Underwriting & Documentation: Prepare comprehensive credit write-ups/memos detailing the findings, identifying risks, and recommending approval or denial of loan applications to the Credit Committee.
• Portfolio Monitoring: Continuously monitor a portfolio of corporate clients for compliance with loan covenants and track performance metrics. Identify and report early warning signs of financial distress.
• Risk Mitigation & Structuring: Recommend appropriate loan structures, collateral requirements, and pricing to mitigate identified credit risks and ensure the transaction aligns with the institution's risk appetite.
• Industry Research & Compliance: Research industry trends and economic factors impacting borrowers. Ensure all credit decisions and processes adhere to internal risk policies and regulatory standards.

Qualifications

• Minimum Bachelor degree in business/ finance/ accounting/ economics/ mathematics from a reputable university
• Minimum 2+ years experience in related field
• Fluent in English & Indonesia
• Proficient with Microsoft Office
• Proficient with financial modelling including forecasting financials, valuations
• Possess basic knowledge of Indonesia taxation
• Possess high attention to detail
• Having risk-related certification is a plus