job description
Join BPI Direct BanKo, Inc. as a Credit Officer and play a pivotal role in evaluating and approving loan applications while ensuring compliance with banking regulations. This position is ideal for detail-oriented professionals with a strong background in financial analysis and risk assessment. You will work in a dynamic environment, collaborating with cross-functional teams to deliver exceptional service to our clients.
As a Credit Officer, you will be responsible for assessing the creditworthiness of applicants, analyzing financial data, and making informed decisions to mitigate risks. Your expertise will contribute to the bank's growth and stability while helping clients achieve their financial goals.
This is a full-time opportunity based in Bali, offering a competitive salary and benefits package. If you are passionate about finance and have a keen eye for detail, we invite you to apply and become part of our team.
Responsibility
- Evaluate loan applications by analyzing financial statements, credit reports, and other relevant documents.
- Assess the creditworthiness of applicants based on established criteria and risk management policies.
- Prepare detailed credit reports and present recommendations to the credit committee.
- Monitor and review existing loan portfolios to ensure compliance with banking regulations.
- Collaborate with relationship managers and other stakeholders to gather necessary information for credit evaluations.
- Maintain accurate records of credit decisions and related documentation.
- Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
- Provide guidance and support to junior team members as needed.
Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
- Minimum of 2 years of experience in credit analysis, risk assessment, or a similar role in the banking sector.
- Strong understanding of financial statements, credit scoring models, and risk management principles.
- Excellent analytical and problem-solving skills with a keen attention to detail.
- Proficiency in using financial software and tools for credit evaluation.
- Effective communication and interpersonal skills to interact with clients and internal teams.
- Ability to work under pressure and meet tight deadlines in a fast-paced environment.
- Knowledge of local banking regulations and compliance requirements is a plus.