Deskripsi Pekerjaan
We are seeking a highly analytical Credit Analyst to join our finance team in Jakarta. In this critical role, you will evaluate the creditworthiness of corporate clients across mining, forestry, agriculture, and related sectors through rigorous financial and industry analysis. You'll assess risk profiles, prepare comprehensive credit reports, and provide strategic recommendations to support lending decisions. The ideal candidate will have a sharp eye for detail, strong financial modeling skills, and deep industry knowledge to identify emerging trends and potential risks. This position offers an opportunity to work with diverse portfolios while contributing to our financial stability and growth objectives.
Tanggung Jawab
- Conduct in-depth financial statement analysis and ratio calculations to assess client creditworthiness
- Analyze industry-specific trends and market conditions affecting mining, forestry, and agriculture sectors
- Prepare detailed credit memos and risk assessment reports for senior management review
- Monitor existing loan portfolios and identify early warning signs of potential defaults
- Collaborate with relationship managers to structure credit facilities aligned with client needs
- Ensure compliance with banking regulations and internal credit policies
- Develop and maintain financial models for cash flow projections and debt service capacity
Kualifikasi
- Bachelor's degree in Finance, Accounting, Economics, or related field
- Minimum 3 years of credit analysis experience in corporate banking
- Strong proficiency in financial modeling and risk assessment methodologies
- Deep understanding of mining, forestry, and agriculture industry dynamics
- Advanced Excel skills and experience with credit analysis software
- Excellent written and verbal communication skills in English and Bahasa Indonesia
- Professional certifications (e.g., CFA, ACCA) are highly desirable