Deskripsi Pekerjaan
Join WOM Finance as a Credit Analyst Centralized and play a pivotal role in our financial operations based in Bandung. You'll be responsible for conducting comprehensive feasibility analyses of consumer credit applications, ensuring compliance with company policies and industry regulations. This position requires meticulous attention to detail, strong analytical skills, and the ability to make informed lending decisions that balance risk and opportunity.
Your expertise will directly impact our portfolio quality as you evaluate financial documents, assess creditworthiness, and recommend approval or rejection of loan applications. You'll collaborate closely with internal stakeholders to streamline processes while maintaining exceptional service standards. WOM Finance offers a dynamic work environment where your financial acumen can drive meaningful business growth in Indonesia's banking sector.
Tanggung Jawab
- Analyze consumer credit applications for feasibility and risk assessment
- Evaluate financial documents to determine creditworthiness
- Make informed lending recommendations based on company policies
- Monitor existing credit portfolios for potential risks
- Ensure compliance with banking regulations and internal controls
- Collaborate with collection teams for credit recovery strategies
- Prepare detailed credit analysis reports for management review
Kualifikasi
- Bachelor's degree in Finance, Accounting, or Economics
- Minimum 2 years of credit analysis experience in banking
- Strong understanding of financial statements and credit metrics
- Proficiency in credit evaluation software and MS Office
- Certification in risk management or credit analysis (preferred)
- Excellent analytical and problem-solving abilities
- Effective communication skills in Bahasa Indonesia