Corporate Credit Portfolio Monitoring

3 weeks ago

Jakarta, Jakarta, Indonesia PT Bank JTrust Indonesia, Tbk Full time
  • Conducting the collection and analysis of supporting credit documents from existing Debtors, including:
    1. Credit Proposal Documents,
    2. Financial Documents,
    3. Verification Documents,
    4. Business Legality Documents
    In accordance with the applicable document checklist regulations.
  • Analyzing the capacity and/or financial condition of the Debtor (Financial Spreading).
  • Conducting compliance analysis regarding the fulfillment of covenants/TBO.
  • Performing periodic visits to monitor and update information related to:
    1. The company's sales and profit conditions,
    2. The management structure and ownership or board composition (if there are changes),
    3. Ensuring the accuracy of the Accounts Receivable, Accounts Payable & Inventory list with the actual conditions at the Debtor's company,
    4. Verifying financial documents and the use of credit funds according to the initial purpose.
  • Conducting qualitative analysis, including:
    1. Analyzing the character of the Debtor based on the suitability of facility usage, aggressiveness in utilizing and applying for additional facilities, and discipline in fulfilling obligations,
    2. Competitor analysis within similar industries to determine the Debtor's market position,
    3. Industry trend analysis based on historical industry trends, negative industry information, and future industry potential,
    4. Analysis of all negative information related to the Debtor, Board of Directors and Shareholders, Company, Collateral, and the Industry in which the Debtor operates.
  • Ensuring that the collateral condition aligns with the latest LPA results and that the collateral is viable, while also ensuring that the surrounding condition does not violate the internal appraisal limits stated in the applicable PPK.
  • Preparing a Business Visit Report (LKU) using the applicable standard format, conducting profiling, and providing recommendations based on the results of the analysis.
  • Holding discussions with the Deputy Division Head and Business Division Head regarding steps to address poor credit conditions and collaborating with other divisions such as legal, client service, and others to mitigate potential losses.
  • Reporting daily activities to the Credit Portfolio Monitoring Dept Head.

Requirements:

  • Candidate should possess at least Bachelor's degree (S1)
  • Minimum 3 (three) years of working experience as a Corporate Business Analyst in the Banking industry.
  • Proficient in English both written and verbal
  • Communicative and able to work both individually or together in a team
  • Detail-oriented, disciplined, and strong integrity person
  • Able to work in a fast-paced environment with tight deadlines
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