Corporate Credit Risk Analyst – Productive and Employee Loan
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Job Location:
Monthly Salary:
Posted on:
4 hours ago
Vacancies:
1 Vacancy
Job Summary
- Financial Statement Analysis: Conduct in-depth analysis of corporate financial statements (Balance Sheet Income Statement Cash Flow) to assess a borrower's financial health profitability and cash flow generation.
- Credit Assessment & Modeling: Build and run financial models to project future performance and calculate critical credit metrics (e.g. debt-to-EBITDA). Determine the borrower's internal credit rating and risk profile.
- Underwriting & Documentation: Prepare comprehensive credit write-ups/memos detailing the findings identifying risks and recommending approval or denial of loan applications to the Credit Committee.
- Portfolio Monitoring: Continuously monitor a portfolio of corporate clients for compliance with loan covenants and track performance metrics. Identify and report early warning signs of financial distress.
- Risk Mitigation & Structuring: Recommend appropriate loan structures collateral requirements and pricing to mitigate identified credit risks and ensure the transaction aligns with the institutions risk appetite
- Industry Research & Compliance: Research industry trends and economic factors impacting borrowers. Ensure all credit decisions and processes adhere to internal risk policies and regulatory standards.
Qualifications :
- Minimum Bachelor degree in business/ finance/ accounting/ economics/ mathematics from a reputable university
- Minimum 2 years experience in related field
- Fluent in English & Indonesia
- Proficient with Microsoft Office
- Proficient with finansial modelling including forecasting financials valuations
- Possess basic knowledge of Indonesia taxation
- Possess high attention to detail
- Having risk-related certification is a plus
Remote Work :
No
Employment Type :
Full-time
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
Cermati is a financial technology (fintech) startup based in Indonesia. Cermati simplifies the process of finding and applying for financial product by bringing everything online so people can shop around for financial products online and can apply online without having to physically ... View more
