job description
Join ETHOZ Group Ltd as a Credit Analyst (SME Loans) and play a pivotal role in driving financial growth by evaluating creditworthiness, analyzing financial statements, and preparing compelling loan proposals for small and medium enterprises. This is a unique opportunity to bridge financial expertise with cross-border business development, particularly between Malaysia and China markets.
Based in the vibrant business hub of Badung, Bali, you will collaborate with sales teams, assess risk profiles, and ensure compliance with lending policies while contributing to strategic financial decisions. Your analytical skills and Mandarin proficiency will be key to facilitating seamless communication and expanding our SME loan portfolio.
If you thrive in a dynamic environment, possess a keen eye for financial details, and are passionate about empowering businesses through smart lending solutions, this role is tailored for you.
Responsibility
- Conduct thorough financial analysis of SME loan applications, including balance sheets, income statements, and cash flow projections.
- Assess credit risk by evaluating borrower eligibility, collateral, and repayment capacity using industry-standard methodologies.
- Prepare and present detailed credit proposals with recommendations for approval by senior management.
- Liaise with sales teams in Malaysia and China to gather additional information and clarify financial discrepancies.
- Monitor and review existing loan portfolios for compliance, performance, and early signs of credit deterioration.
- Develop and maintain financial models to forecast risk exposure and optimize lending strategies.
- Ensure adherence to regulatory and internal lending policies, documenting all findings and justifications.
- Provide market insights and competitive analysis to support business development initiatives.
Qualifications
- Diploma or Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum 2 years of experience in credit analysis, risk assessment, or SME lending, preferably in banking or financial services.
- Fluency in Mandarin (written and spoken) is mandatory to communicate with stakeholders in China.
- Strong proficiency in financial statement analysis and credit evaluation tools.
- Excellent analytical, problem-solving, and decision-making skills with attention to detail.
- Proficiency in Microsoft Excel (advanced functions, pivot tables, financial modeling) and credit software.
- Ability to work independently and collaboratively in a fast-paced, multicultural environment.
- Familiarity with local and international lending regulations is a plus.