Credit Analyst (Financial Services)

Monroe Consulting Group; Indonesia; Vor Ort; IDR 180.000.000 - 300.000.000; Vollzeit

Zusammenfassung

Monroe Consulting Group Indonesia is partnering with a leading organisation to hire a Credit Analyst for an environmental investment platform. The role supports credit assessment, underwriting, risk management and portfolio monitoring across lending activities in Indonesia.

The candidate will develop financial models, review financial statements, and prepare materials for Investment Committee decisions, coordinating with ESG stakeholders.

Qualifikationen

• 3-6 years of credit analysis or related finance experience.
• Bachelor's degree in Finance, Accounting, Economics, or related discipline.
• CFA studies or equivalent qualification would be an advantage.
• Legally eligible to work in Indonesia.
• Exposure to mid-market lending in Southeast Asia, especially agribusiness/aquaculture.
• Interest in impact investing and ESG risk management.

Aufgaben

• Develop and implement the fund's credit assessment framework and related documentation.
• Assess borrowers’ credit proposals and ensure underwriting aligns with risk limits.
• Build and update financial models covering key drivers and downside scenarios.
• Prepare credit papers and presentations for Investment Committee reviews.
• Monitor portfolio performance and covenant compliance; escalate risks as needed.
• Maintain credit files, models and Investment Committee records.

Kenntnisse

Accounting knowledge

Financial modelling

Credit assessment

Risk monitoring

English fluency

Bahasa Indonesia

Ausbildung

Finance degree

Jobbeschreibung

Monroe Consulting Group Indonesia, an Executive Recruitment firm, is partnering with a leading organisation in the Professional Services sector to hire a Credit Analyst. This opportunity is based in Indonesia and offers the chance to contribute to a pioneering environmental investment platform focused on sustainable financing and impact-driven investments.

Position Overview

The Credit Analyst will support the establishment and ongoing management of the fund's credit assessment and portfolio monitoring framework.

The role plays a critical part in ensuring sound underwriting, risk management, and investment decision-making across the fund's lending activities.

Key Responsibilities

Fund Setup and Credit Process Development

• Work with the Chief Investment Officer (CIO) to establish the fund's credit assessment framework, including financial modelling templates, Investment Committee documentation, risk-rating tools, and covenant monitoring systems.
• Assist the CIO and CFO in translating credit policies into practical underwriting procedures, checklists, and risk-limit monitoring tools.
• Assess initial lending opportunities alongside the Head of Origination & Portfolio Management and CFO, ensuring credit proposals are prepared for Investment Committee review ahead of the fund's first close.
• Support investor due diligence by preparing credit process documentation, pipeline information, and supporting materials for the data room in collaboration with the Investor Relations and Fund Finance & Operations teams.

Credit Analysis and Financial Modelling

• Review borrowers' audited financial statements, management accounts, cash flows, and debt repayment capacity, incorporating information gathered through field due diligence.
• Develop and update financial models covering key business drivers, including production volumes, yields, harvest cycles, pricing, foreign exchange exposure, working capital requirements, and downside scenarios.

Investment Committee Support

• Prepare credit assessment papers and presentations under the CIO's guidance, clearly outlining key risks, mitigating factors, proposed loan structures, and pricing recommendations.
• Ensure credit proposals comply with the fund's lending policies, concentration limits, and risk thresholds.
• Incorporate environmental and social assessments, including mangrove-related lending requirements, in coordination with the ESG Lead.
• Document Investment Committee decisions, approval conditions, and follow-up requirements.

Portfolio Monitoring and Risk Management

• Monitor borrower performance through regular financial statements, operational and harvest reports, borrowing-base information, and controlled account records.
• Track financial and non-financial covenant compliance, maintain borrower risk ratings, and identify early-warning indicators or potential breaches for escalation to the CIO.
• Coordinate with the Head of Origination & Portfolio Management on portfolio reviews, borrower performance, and field monitoring activities.
• Prepare periodic credit reviews, risk-rating assessments, and portfolio analysis for the Investment Committee.
• Provide credit and portfolio information to support investor and senior lender reporting.

Credit Documentation and Systems

• Maintain accurate and up-to-date credit files, financial models, and Investment Committee documentation.
• Develop and manage the fund's portfolio monitoring database or system to support effective tracking, reporting, and recordkeeping.

Key Requirements

Qualifications & Experience

• 3-6 years of experience in credit analysis, corporate finance, leveraged finance, private credit, or transaction services, with exposure to preparing credit proposals for formal approval.
• A bachelor's degree in Finance, Accounting, Economics, or a related discipline.
• CFA studies or an equivalent professional qualification would be an advantage.
• Legally eligible to work in Indonesia.
• Exposure to mid-market lending in Southeast Asia, particularly in agribusiness, aquaculture, fisheries, or seafood-related supply chains.
• An interest in impact investing and environmental and social risk management frameworks.

Technical / Functional Expertise

• Strong accounting knowledge and financial modelling capabilities.
• Experience reviewing audited financial statements, management accounts, cash flows, and debt repayment capacity.
• Ability to develop and maintain financial models covering production volumes, yields, harvest cycles, pricing, foreign exchange exposure, working capital requirements, and downside scenarios.
• Experience with credit assessment frameworks, risk-rating tools, covenant monitoring, portfolio analysis, and credit documentation systems.
• Knowledge of lending policies, concentration limits, risk thresholds, and portfolio monitoring processes.

Soft Skills & Leadership Competencies

• Strong written and verbal English skills and fluency in Bahasa Indonesia.
• Ability to prepare clear, well-structured credit papers and presentations.
• Strong analytical and problem-solving capabilities.
• Excellent attention to detail and organisational skills.
• Ability to work collaboratively with investment, finance, origination, investor relations, and ESG stakeholders