job description
Join Sinar Mitra Sepadan Finance, a leading financial services provider in Indonesia, as a Credit Analyst Officer in the vibrant and growing region of Bali (Canggu, Ubud, Denpasar, Jimbaran, Nusa Dua, Kuta, Badung). In this pivotal role, you will play a key part in our credit assessment process, ensuring the accuracy, validity, and financial viability of loan applications while contributing to the company’s growth and risk management strategies.
As a Credit Analyst Officer, you will be responsible for evaluating credit applications, verifying documentation, and assessing the market value of used vehicles to support our auto financing services. Your analytical skills and attention to detail will help maintain high credit quality standards, minimize risk, and drive sustainable business growth. This is an excellent opportunity for a detail-oriented professional with a passion for finance to advance their career in a dynamic and supportive environment.
At Sinar Mitra Sepadan Finance, we value integrity, professionalism, and innovation. You will work alongside a team of experienced financial experts, leveraging cutting-edge tools and methodologies to make data-driven decisions. If you are looking for a challenging yet rewarding role in the financial sector, this position offers the perfect blend of analytical rigor and real-world impact.
Apply now and take the next step in your career with a company that invests in its employees and fosters a culture of excellence!
Responsibility
- Verify the authenticity and validity of credit application documents to ensure compliance with company policies and regulatory requirements.
- Conduct thorough analysis of credit applications, assessing borrower financial health, repayment capacity, and risk factors.
- Evaluate the market value of used vehicles to determine appropriate loan amounts and collateral security.
- Monitor and analyze credit quality trends to identify potential risks and recommend mitigation strategies.
- Prepare detailed credit reports and recommendations for approval or rejection of loan applications.
- Collaborate with sales and operations teams to streamline the credit approval process and improve customer experience.
- Maintain up-to-date knowledge of industry regulations, market trends, and best practices in credit analysis.
- Ensure all credit-related activities adhere to internal policies, legal requirements, and ethical standards.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum of 2 years of experience in credit analysis, financial analysis, or a related role within the banking or financial services sector.
- Strong analytical skills with the ability to interpret financial statements, credit reports, and market data.
- Proficiency in Microsoft Excel and financial analysis tools; familiarity with credit scoring systems is a plus.
- Excellent attention to detail and ability to work under pressure with tight deadlines.
- Strong communication skills, both written and verbal, with the ability to present findings clearly and concisely.
- Knowledge of Indonesian financial regulations and auto financing market trends is highly desirable.
- High level of integrity, professionalism, and commitment to ethical standards.