Lending Account Officer: Grow Loans & Relationships

Krom; Jakarta Pusat; On-site; IDR 120,000,000 - 180,000,000; Full time

Job summary

Krom is seeking an Account Officer (Lending) in Jakarta to drive lending growth by acquiring and managing a customer portfolio with tailored credit solutions. You will ensure loyalty through proactive service and long-term relationship building.

Requirements include a Bachelor’s degree and at least 2 years in banking marketing, with strong knowledge of loan products, credit principles, and risk assessment. Excellent communication and negotiation skills are essential.

Qualifications

• Bachelor’s degree (S1) in any major.
• Minimum 2 years of marketing experience within the banking industry.
• Strong knowledge of banking policies, loan products, and credit principles.
• Understanding of risk assessment and credit analysis.
• Excellent communication, negotiation, and relationship-building skills.
• Proactive, analytical, and target-oriented with strong business acumen.

Responsibilities

• Acquire and develop potential debtors to achieve lending portfolio targets.
• Identify customer financing needs and propose suitable credit products.
• Prepare comprehensive credit proposals with financial analysis and risk mitigation.
• Conduct business visits to assess customers’ conditions and prospects.
• Ensure complete documentation and coordinate with legal, risk, and credit review.
• Monitor loan portfolio performance, repayment, and early warning indicators.
• Maintain strong customer relationships and identify cross-selling opportunities.
• Collaborate with Funding Officers to grow branch deposits.
• Provide regular reporting on pipeline, portfolio, and key risk issues.
• Handle customer escalations to ensure excellent service delivery.

Skills

Communication

Negotiation

Relationship building

Analytical thinking

Target orientation

Business acumen

Customer networking

Education

Bachelor's degree

Job description

Krom is seeking an Account Officer (Lending) in Jakarta to drive lending growth by acquiring and managing a customer portfolio with tailored credit solutions. You will ensure loyalty through proactive service and long-term relationship building.

Requirements include a Bachelor’s degree and at least 2 years in banking marketing, with strong knowledge of loan products, credit principles, and risk assessment. Excellent communication and negotiation skills are essential.