job description
Join BPI Direct BanKo, Inc. as a Credit Associate and play a pivotal role in safeguarding financial stability while empowering clients through responsible lending. In this dynamic position, you will conduct thorough credit assessments, evaluate loan applications, and ensure compliance with banking regulations to mitigate risk and support sustainable growth.
Based in the vibrant heart of Bali (Canggu, Ubud, Denpasar, or surrounding areas), you’ll collaborate with a forward-thinking team to deliver data-driven decisions that balance customer needs with financial prudence. Field visits may be required to verify borrower credibility, making this role ideal for detail-oriented professionals who thrive in both analytical and client-facing environments.
This is your opportunity to build a rewarding career in banking and financial services, where your expertise directly impacts business success and community trust. Apply today to become a key contributor to one of the Philippines’ most respected financial institutions, now expanding its footprint in Indonesia.
Responsibility
- Conduct comprehensive credit evaluations for new and existing loan applicants, analyzing financial statements, credit histories, and collateral.
- Perform field investigations and verification visits to assess borrower credibility and repayment capacity.
- Prepare detailed credit reports and recommendations for approval or rejection, ensuring alignment with company policies and risk appetite.
- Monitor and review loan portfolios to identify early warning signs of delinquency and propose mitigation strategies.
- Collaborate with relationship managers and sales teams to provide credit insights and support client onboarding.
- Ensure strict adherence to regulatory requirements (e.g., Bank Indonesia, OJK) and internal compliance standards.
- Utilize financial modeling tools and data analytics to assess risk exposure and optimize credit decisions.
- Maintain accurate records and documentation for audit trails and reporting purposes.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum 2 years of experience in credit analysis, risk assessment, or loan processing within banking/financial services.
- Strong understanding of credit principles, financial ratios, and lending regulations (Indonesian or Philippine banking systems a plus).
- Proficient in Microsoft Excel (advanced functions, pivot tables) and credit scoring software.
- Excellent analytical, communication, and interpersonal skills to liaise with clients and internal stakeholders.
- Ability to work independently, meet deadlines, and handle sensitive information with confidentiality.
- Willingness to conduct field visits as needed (valid driver’s license and mobility preferred).
- Fluency in English; proficiency in Bahasa Indonesia is a strong advantage.