Credit Analyst

infinID; Jakarta Selatan; On-site; IDR 100.000.000 - 200.000.000; Full time

Job summary

A fintech company in Jakarta Selatan is seeking a Credit Analyst to verify customer applications and prepare credit proposals. The successful candidate should have at least 2 years of experience in KBMI III or IV banks, focusing on secured lending products. Responsibilities include assessing applications, conducting interviews with borrowers, and performing site visits for loan evaluations. The ideal candidate will thrive in a fast-paced environment and possess strong analytical skills.

Qualifications

• Minimum 2 years of experience as a Credit Analyst in KBMI III or IV banks focused on secured lending products.
• Experience in Micro and SME loans is a significant advantage.
• Experience as an Account Officer is a plus.

Responsibilities

• Assess customer applications based on submitted documents and verification results.
• Conduct interviews with potential borrowers to evaluate their character and financial capacity.
• Perform site visits to assess business operations of loan applicants.
• Prepare detailed credit memos outlining risks and repayment capacity.
• Work with cross-functional teams to streamline processes.

Skills

Analytical skills

Quantitative skills

Attention to detail

Ability to work in fast-paced environments

Education

Bachelor’s degree from a reputable university

Job description

South Jakarta, Indonesia | Posted on 09/27/2024

We are looking for an experienced Credit Analyst to join our Risks team. In this role, you will verify customer applications and prepare comprehensive credit proposals. If you have a background in KBMI III or IV banks, with experience in Micro & SME loans, and are excited to be part of a growing fintech company, this role is for you!

Key Responsibilities

• Assess customer applications based on submitted documents and third-party verification results.
• Conduct interviews with potential borrowers to evaluate their character, financial capacity, and other key factors.

Field & Business Assessment

• Perform site visits to assess business operations of entrepreneurs and small business loan applicants.
• Gather additional data proactively to support credit decision-making.

Credit Analysis & Risk Assessment

• Prepare detailed credit memos outlining risks, customer income, repayment capacity, and loan purposes.
• Analyze business transactions, where available, to strengthen loan assessments.
• Work closely with sales, collections, partnerships, operations, and product teams to streamline processes.
• Contribute to ongoing improvements in the origination process, loan products, and use of technology.
• Stay updated on current events, emerging industries, market risks, and compliance requirements to inform credit decisions.

Qualifications

• Bachelor’s degree from a reputable university.
• Minimum 2 years of experience as a Credit Analyst in KBMI III or IV banks, focused on secured lending products (e.g., mortgage, multipurpose loans, business loans using property as collateral).
• Experience in Micro and SME loans is a significant advantage.
• Experience as an Account Officer is a plus.
• Strong analytical and quantitative skills with attention to detail.
• Ability to thrive in a fast-paced, entrepreneurial environment, working with cross-functional teams.