Credit Reviewer - Commercial & Corporate

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

Job summary

Amar Bank seeks a Credit Analyst Team Lead to guide a team in assessing creditworthiness and managing the credit portfolio. The role requires a strong background in credit analysis within the banking sector and offers an opportunity to impact lending decisions significantly.

Qualifications

• Minimum 3 years of experience in credit analysis in banking.
• Strong understanding of lending regulations and financial analysis.

Responsibilities

• Lead the credit analysts in assessing client creditworthiness.
• Monitor and evaluate the health of the credit portfolio.

Skills

Credit risk evaluation

Financial statement analysis

Analytical skills

Decision-making

Communication skills

Job description

Who are we?

Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku, is the first FinTech product in Indonesia. We are also the first digital bank on the cloud and the first profitable digital bank listed on the Indonesian Stock Exchange.

How did we manage to do that?

We are changing people’s perception of a bank. We believe we are innovators who combine customer focus principles with impactful technology. Our startup culture emphasizes freedom and flexibility to encourage innovation and create better financial solutions. We see ourselves as, ‘A technology company with a banking license’ — acting like a FinTech and thinking like a bank.

How did it all start?

Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), it was acquired by Tolaram Group and transformed into PT Bank Amar Indonesia (Amar Bank) in 2014. Since then, it has undergone a digital transformation, becoming a leading fintech institution through its award-winning digital lending platform, Tunaiku.

Our philosophy, mission, and vision

Technology must impact and improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Our vision is to bring 200 million smiles.

About our startup culture environment

With over 1000 employees, we foster a growth-oriented environment where people love to dream big, grow, and have fun. We offer a workplace that encourages stepping outside comfort zones, with career growth aligned to individual ambition. We are proud to be awarded “Best Place to Work in Indonesia” and received the Inspirational Brand award from APEA 2022. If you have a growth mindset and crave challenges, join us in our journey to ‘Impact Lives’.

Join us today and create #unlimitedinnovations!

About the position:

Lead a team of credit analysts in assessing and recommending the creditworthiness of potential clients. Guide the team in analyzing financial and business conditions, including ratios, trends, cash flow, business capacity, and collateral. Your role will be crucial in shaping lending decisions, risk management, and portfolio quality.

What Will You Do:

• Set performance goals, evaluate regularly, and provide feedback to improve team capabilities.
• Oversee creditworthiness assessments considering financial condition, credit history, industry trends, and other relevant factors.
• Use insights from analyses to make informed lending decisions aligned with risk tolerance and business goals.
• Collaborate with stakeholders to evaluate credit proposals and support sound approval processes.
• Monitor and evaluate credit portfolio health, identifying risks and opportunities for optimization.
• Propose adjustments to credit limits, terms, and conditions to maintain a profitable portfolio.
• Enhance credit assessment processes, underwriting procedures, and risk management protocols for efficiency and accuracy.
• Ensure team compliance with credit policies, regulations, and industry standards.
• Present credit analysis findings and recommendations to senior leadership and relevant parties.

What You Need To Have:

• Minimum 3 years of experience in credit analysis within the banking sector.
• Profound understanding of financial statement analysis, credit risk evaluation, and lending regulations.
• Experience handling corporate proposals and syndications.
• Strong analytical, critical thinking, and sound credit decision-making skills.
• Exceptional communication, interpersonal, and presentation skills.