Cermati.com
Corporate Credit Risk Analyst – Productive and Employee Loan
This job is no longer available and isn't accepting applications.
TLDR
Conduct financial analysis and credit assessment for corporate clients to manage risk, structure loans, and ensure compliance with internal policies and regulations.
- 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 institution's 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.
- 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
Cermati.com is a financial technology startup that operates as a comprehensive online marketplace, making it easy for Indonesians to find and apply for a wide range of financial products. By streamlining access to loans, credit, and other financial services, Cermati.com is committed to promoting financial inclusion and simplifying the financial decision-making process in Indonesia.
Credit Risk Analyst
No longer accepting applications