Deskripsi Pekerjaan
Are you a detail-oriented finance professional with a passion for risk assessment? SamaKita is currently seeking a highly motivated Credit Analyst to join our growing team in Jakarta Selatan. As a key player in our financial operations, you will play a vital role in maintaining the integrity of our lending portfolio by evaluating creditworthiness and ensuring sound financial decision-making.
In this role, you will be responsible for meticulously reviewing customer credit applications, interpreting complex financial statements, and assessing overall risk profiles. The ideal candidate combines strong analytical capabilities with an understanding of the local banking and fintech landscape. If you are looking to advance your career in a dynamic, fast-paced fintech environment where your contributions directly influence business growth, we invite you to apply.
Tanggung Jawab
- Analyze credit applications, financial statements, and credit bureau reports to determine the risk level of prospective borrowers.
- Conduct thorough due diligence on supporting documents to identify potential fraud or inconsistencies.
- Evaluate repayment capacity by calculating debt-to-income ratios and cash flow analysis.
- Prepare comprehensive credit memos and recommendations for the credit committee or approval authorities.
- Monitor existing loan portfolios to identify early warning signs of delinquency or credit deterioration.
- Collaborate with the sales and collection teams to ensure seamless communication regarding application statuses.
- Ensure full compliance with internal credit policies, government regulations, and industry standards.
- Continuously improve credit assessment models and processes to enhance operational efficiency.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of experience in credit analysis, underwriting, or banking operations.
- Strong proficiency in financial statement analysis and interpretation of balance sheets and P&L statements.
- Advanced Excel skills for financial modeling and data manipulation.
- In-depth knowledge of local lending regulations and risk management frameworks.
- Excellent communication skills with the ability to articulate complex financial information clearly.
- High level of integrity and attention to detail.
- Fluent in Bahasa Indonesia and proficient in English.