Commercial Credit Reviewer - Balikpapan

Join Adira Dinamika Multi Finance, a leading financial services provider in Indonesia, as a Commercial Credit Reviewer in Balikpapan, Kalimantan Timur. In this pivotal role, you will play a key part in our risk management team by conducting thorough credit assessments to ensure the financial health and reliability of our borrowers. With a strong focus on data analysis and risk mitigation, you'll help Adira Dinamika Multi Finance maintain a robust credit portfolio and support our mission to provide accessible and responsible financial solutions.

As a Commercial Credit Reviewer in Balikpapan, you will work closely with our loan officers and financial analysts to evaluate credit applications, analyze financial statements, and assess the creditworthiness of potential borrowers. You will leverage your expertise in credit analysis tools such as Credit Risk Management System (CRMS) and SAP to streamline the credit review process and ensure compliance with internal policies and regulatory requirements.

📋 Tanggung Jawab Pekerjaan

• Conduct comprehensive credit assessments for individual and corporate borrowers, including personal financial statements, business financials, and collateral evaluations.
• Analyze credit reports and financial data to determine the creditworthiness of borrowers and assess the level of risk associated with each application.
• Review and approve or reject loan applications based on credit analysis findings, ensuring compliance with Adira Dinamika Multi Finance's credit policies and regulatory guidelines.
• Collaborate with loan officers and financial analysts to gather additional information and documentation as needed to support credit decisions.
• Monitor and manage the credit portfolio, identifying potential risks and implementing mitigation strategies to minimize losses.
• Stay up-to-date with industry trends, regulatory changes, and best practices in credit risk management to continuously improve the credit review process.
• Prepare and present credit analysis reports to senior management, providing insights and recommendations to support strategic decision-making.
• Ensure compliance with internal policies, procedures, and regulatory requirements related to credit risk management.

🎓 Kualifikasi & Syarat

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Minimum of 3 years of experience in credit risk management, credit analysis, or a similar role in the financial services industry.
• Strong knowledge of credit risk management principles, methodologies, and tools, including Credit Risk Management System (CRMS) and SAP.
• Proficient in financial analysis, including the ability to interpret financial statements, ratios, and key performance indicators.
• Excellent analytical and problem-solving skills, with the ability to make sound credit decisions based on data and risk assessment.
• Strong communication and interpersonal skills, with the ability to work collaboratively with cross-functional teams.
• Ability to manage multiple tasks and priorities in a fast-paced environment.
• Certification in credit risk management, such as Certified Credit Professional (CCP) or Professional in Business Analysis (PBA), is a plus.

🛠️ Keahlian

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