Trainee - EBB RM Development Program - Surabaya Pasar Atom

CIMB; Indonesia; On-site; IDR 55,800,000 - 78,120,000; Full time

Job summary

CIMB in Indonesia seeks an energetic new graduate eager to build a career in commercial banking. The role focuses on maintaining relationships with debtors, understanding their needs, and offering suitable financial solutions. You will design activity plans, pursue targets, and contribute to credit portfolio growth while learning credit processes.

Ideal candidates are university graduates with GPA above 3.0, aged up to 27, with strong communication, sales drive, and teamwork.

Qualifications

• Bachelor degree with GPA ≥ 3.0
• Age ≤ 27 years
• Fresh graduate preferred (≤1 year experience)
• High motivation and energetic
• Passionate about sales
• Good communication and interpersonal skills

Responsibilities

• Seek and maintain business relationship with potential and existing debtor by providing financial solutions
• Design daily and monthly Sales Activity Plan as guidance for target achievement
• Proactively seek potential debtors to achieve business targets
• Provide financial consulting to debtors by identifying needs and offering suitable products
• Support growth of EBB credit portfolio and optimize credit usage
• Manage credit activities from proposal to disbursement and maintenance
• Assess debtor's ability to pay using business cash flow and ownership details
• Monitor payment obligations to ensure healthy collectability
• Raise early warning watchlists and inform management when needed

Skills

Communication skills

Interpersonal skills

Motivation

Sales mindset

Education

Bachelor degree

Job description

Job Description

Seek and maintain business relationship with potensial & existing debtor by providing financial solution as business needs.

Strategy and Planning

• Design daily and monthly Sales Activity Plan as guidance for SPT achievement

Business Performance and Management

• Seek proactively potential debtor to achieve business target
• Provide financial consultant for potential & existing debtor by identify debtor needs and offer product according to their needs
• Responsible to EBB credit portfolio growth and optimalization credit usage
• Run all credit activities, from preparation, call report, credit proposal, credit proposal approval, loan administration related to Credit Signing, disbursment, roll over and credit maintenance
• Determine debtor’s ability to pay by establish depth information on debtor loan, such as business prospec, business management, owner / shareholder and business cash flow
• Ensure collectability of debtor remains healthy by monitoring the fulfillment of payment obligation
• Do early recogniation watchlist for each debtor and inform the management if needed

Qualifications

• - Bachelor degree any major with GPA min. ≥ 3.0
• - Age max. 27 years old
• - Preferable fresh graduate (Max. 1 year working experience)
• - High Motivation & driven /energetic
• - Passionate about sales
• - Good communication & interpersonal skills

Job Info

• Job Identification 21008993
• Job Category Commercial Banking
• Posting Date 12/20/2021, 11:15 AM
• Job Schedule Full time
• Job Shift Day Shift