job description
Join Hi-Fin Lending INC as a Junior Underwriter – Online Lending Platform (OLP) and play a pivotal role in evaluating loan applications, ensuring compliance, and driving financial growth in the dynamic world of digital lending.
As part of our expanding team in Bali, Indonesia, you will work closely with senior underwriters to assess creditworthiness, analyze financial data, and make informed lending decisions. This is an excellent opportunity for professionals with a background in online lending platforms (OLP) to grow their career in a fast-paced, innovative environment.
At Hi-Fin Lending INC, we empower our employees with cutting-edge tools and a collaborative culture. If you have a keen eye for detail, strong analytical skills, and a passion for fintech, we want to hear from you!
Responsibility
- Review and assess loan applications submitted through Online Lending Platforms (OLP) for creditworthiness and risk.
- Analyze financial statements, credit reports, and applicant data to determine loan eligibility.
- Collaborate with senior underwriters to refine underwriting policies and improve decision-making processes.
- Ensure compliance with company lending guidelines, regulatory requirements, and industry best practices.
- Prepare detailed underwriting reports and recommendations for approval or rejection.
- Monitor loan portfolios for performance trends and identify potential risks or opportunities.
- Communicate with applicants, loan officers, and other stakeholders to clarify information and resolve discrepancies.
- Stay updated on market trends, financial products, and underwriting technologies to enhance efficiency.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum 1-2 years of experience in underwriting, credit analysis, or a similar role, preferably in Online Lending Platforms (OLP).
- Strong understanding of credit risk assessment, financial ratios, and lending regulations.
- Proficiency in using underwriting software, spreadsheets (Excel), and financial analysis tools.
- Excellent analytical, problem-solving, and decision-making skills.
- Detail-oriented with the ability to work under tight deadlines in a fast-paced environment.
- Effective communication and interpersonal skills to liaise with internal and external stakeholders.
- Familiarity with fintech innovations, digital lending, and data-driven underwriting is a plus.