Credit Analyst, Credit Control Services, Operations, SeaBank

SeaBank Indonesia; Jakarta Pusat; On-site; IDR 120,000,000 - 200,000,000; Full time

Job summary

SeaBank Indonesia membuka lowongan untuk analis kredit dengan fokus pada analisis dokumen, OTS, serta penyusunan laporan kredit yang komprehensif. Kandidat akan bekerja dalam tim untuk memastikan kepatuhan pada regulasi perbankan dan efektivitas proses kredit.

Posisi ini menuntut pengalaman minimum 3 tahun di bank, kemampuan komunikasi yang baik, dan pemahaman analisis laporan keuangan. Lokasi kantor di Jakarta, dengan sistem kerja on-site.

Qualifications

• Memiliki gelar sarjana di bidang ekonomi/manajemen/hukum.
• Minimal 3 tahun pengalaman relevan di industri perbankan.
• memahami regulasi dan proses bisnis di perbankan.
• Memiliki kemampuan komunikasi yang baik.
• Memahami analisis laporan keuangan, proses litigasi, dan kredit.

Responsibilities

• Pastikan dokumen kredit telah dilengkapi.
• Lakukan OTS untuk memastikan kondisi nyata dan jaminan debitur.
• Analisis aplikasi kredit dan dokumen analisis kredit, serta Lembar Disposisi terkait proposal PAK.
• Analisis kredit dan siapkan laporan hasil Analisis 3 Pilar dan Early Warning bagi debitur di atas IDR 1 miliar.
• Monitor penerapan prinsip four eyes dan koordinasikan dengan pihak terkait.
• Seleksi debitur sesuai Kredit Risiko Penerimaan.
• Sampaikan hasil analisis four eyes ke pengusul dan komite keputusan kredit.
• Siapkan laporan DPD & Jangka Waktu

Skills

Credit analysis

Communication skills

Education

Bachelor’s degree in Economics/Management/Law

Tools

Credit Analysis Tool

Job description

Deskripsi Pekerjaan

• Ensure credit documents have been completed.
• Conduct on the spot (OTS) to ensure the real conditions and collateral of prospective debtors.
• Conduct analysis of credit applications and credit analysis documents specifically Credit Analysis Tool (Perangkat Analisa Kredit), and Disposition Sheet regarding the PAK Proposal to be approved by members of the Credit Decision Committee.
• Conduct credit analysis and prepare reports on the results Analysis of the 3 Pillar and Early Warning of debtors above IDR 1 billion to the head of the Credit Analyst department and coordinate with related units
• Monitor the results of the four eyes principles analysis.
• Selecting debtor referring to the provisions of the Risk Acceptance Criteria.
• Coordinate the results of the four eyes principles Analysis to the proposer and credit decision-making committee.
• Prepare DPD (Day Past Due) & Maturity Reports.

Persyaratan

• Bachelor’s degree in any major, preferably Economics/Management/Law
• Min. 3 years relevant experience in banking industry
• Understand the regulations and business processes in the banking industry
• Having good communication skills
• Understand financial report analysis
• Understand the litigation and credit process