Credit Risk Analyst – Mortgage

PT Bank SMBC Indonesia Tbk; Jakarta Utara; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

PT Bank SMBC Indonesia Tbk in Jakarta is seeking a Credit Risk Analyst – Mortgage to perform comprehensive credit reviews and provide recommendations and approvals on mortgage proposals, ensuring risk is managed in line with policies and appetite.

The role focuses on maintaining high-quality portfolios, complying with SOPs, and collaborating with related teams to meet SLA/TAT while supporting sustainable growth.

Qualifications

• Bachelor’s degree in a finance-related field.
• 3–5 years in credit risk, credit analysis, or mortgage lending.
• Solid understanding of mortgage credit assessment and risk management.
• Knowledge of credit policies, mortgage processes, and banking regulations.

Responsibilities

• Review, analyze, and recommend mortgage credit proposals per policies and risk appetite.
• Assess borrower creditworthiness and determine appropriate credit limits.
• Ensure mortgage initiation and approval follow SOPs and standards.
• Monitor regional portfolio quality and identify potential credit risks.
• Coordinate with teams to ensure efficient credit processes and timely resolution.
• Ensure proposals are processed and approved within SLA/TAT.

Skills

Analytical skills

Credit judgment

Stakeholder management

Detail oriented

Ethical

Communication skills

Education

Bachelor’s degree in Finance, Economics, Accounting, Business, Risk Management, or related field

Tools

Microsoft Office

Excel

Job description

About the Role

We are looking for a Credit Risk Analyst – Mortgage to conduct comprehensive credit reviews and analysis of mortgage credit proposals, provide credit recommendations and approvals, and determine appropriate credit limits in line with the Bank’s credit risk appetite and established policies.

The role will play an important part in maintaining high-quality credit portfolios while supporting sustainable business growth and ensuring that the end-to-end mortgage credit process complies with established standards, procedures, and service level requirements.

Key Responsibilities:

• Review, analyze, and recommend mortgage credit proposals in accordance with credit policies, risk appetite, and delegated authority.
• Assess borrower creditworthiness, determine appropriate credit limits, and maintain high-quality credit decisions.
• Ensure the mortgage credit initiation and approval process complies with established SOPs, criteria, and ethical standards.
• Monitor regional credit portfolio quality and identify potential credit risks.
• Coordinate with relevant teams to ensure an efficient credit process and timely resolution of issues.
• Ensure credit proposals are processed and approved within the established SLA/TAT.

Job Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, Business, Risk Management, or a related field.
• 3–5 years of experience in Credit Risk, Credit Analysis, Credit Underwriting, Mortgage/Consumer Lending, or a related banking function.
• Strong understanding of mortgage credit assessment, financial analysis, and credit risk management.
• Familiar with credit policies, mortgage lending processes, and applicable OJK/banking regulations.
• Strong analytical skills and sound credit judgment.
• Detail-oriented, ethical, and able to make timely decisions under pressure.
• Strong communication and stakeholder management skills.
• Proficient in Microsoft Office, particularly Excel.