Senior Credit Analyst

PT LIUGONG FINANCE INDONESIA; Indonesia; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A financial services company in Indonesia seeks a Credit Supervisor. You will oversee the credit application process, ensure compliance with policies, and lead credit risk assessments. The ideal candidate must have a Bachelor's degree, 3–5 years in credit analysis, and strong leadership skills. Proficiency in English and willingness to travel for field visits are essential. This role offers the opportunity to enhance credit procedures and support business growth.

Qualifications

• Bachelor's degree in Business, Engineering, Management, or related field required.
• 3–5 years of experience in credit analysis, with at least 2 years in a supervisory role.
• Strong understanding of credit risk assessment and regulatory compliance.
• Proficient in English, both written and verbal.

Responsibilities

• Oversee the end-to-end credit application process and ensure compliance.
• Review and prepare credit proposals aligned with internal credit policies.
• Monitor portfolio performance and emerging risk trends.
• Coordinate with Legal, IT, and Business Units to resolve credit cases.

Skills

Credit risk assessment

Financial statement analysis

Leadership

Analytical thinking

Communication

Problem-solving

Education

Bachelor's degree in Business, Engineering, Management, or related field

Job description

Job Description

• Oversee and ensure the end-to-end credit application process across the designated area in compliance with company standards and policies, as well as external regulatory requirements.
• Review and prepare credit proposals and recommendations that align with internal credit policies and risk appetite.
• Perform on-site visits to assess customer business operations if required.
• Maintain consistency in credit risk assessment methodologies and decision‑making standards across all branches within the area.
• Monitor portfolio performance and emerging risk trends both within the area and across relevant industry sectors.
• Coordinate with cross‑functional departments (e.g., Legal, IT, and Business Units) to resolve complex credit cases and address problem accounts.
• Lead the development and continuous improvement of area‑specific credit procedures to enhance turnaround time and proposal quality.
• Conduct in‑depth industry analysis and area mapping to strengthen the department’s risk mitigation strategy and proactively support business growth.

Requirements

• Bachelor's degree in Business, Engineering, Management, or a related field.
• Minimum 3–5 years of experience in credit analysis, including at least 2 years in supervisory role.
• Strong understanding of credit risk assessment, financial statement analysis, portfolio monitoring, and regulatory compliance.
• Strong leadership, decision‑making, and mentoring skills.
• Ability to manage multiple priorities and maintain accuracy under pressure.
• Excellent analytical thinking, communication, and problem‑solving skills.
• Strong knowledge of industry trends, especially in the assigned area (e.g., heavy equipment, coal mining, mineral mining, forestry, etc.).
• Proficient in English, both written and verbal, to support cross‑functional collaboration and documentation.
• Good communication and report‑writing skills.
• Willingness to travel and conduct field visits when necessary.