Credit Analyst

1 month ago


Jakarta, Indonesia Amar Bank Full time

**Responsibilities**:

- Credit Risk Assessment: Conduct thorough analysis of financial statements, cash flows, and business models of corporate borrowers and syndicate loan structures to evaluate their creditworthiness.
- Financial Analysis: Perform in-depth financial analysis, including ratio analysis, stress testing, and scenario analysis to assess risk exposure.
- Loan Structuring & Syndication: Work closely with the syndication desk to structure loans, considering the terms, covenants, and risks involved in syndicated loan facilities.
- Credit Reports: Prepare comprehensive credit reports, including risk rating, exposure analysis, and recommendations for approval or rejection.
- Portfolio Monitoring: Continuously monitor assigned credit portfolios to identify early warning signals and proactively manage deteriorating credit situations.
- Credit Committee Participation: Present findings and recommendations to the Credit Committee and provide justifications based on thorough analysis.
- Risk Mitigation: Collaborate with internal and external stakeholders to structure deals in a way that mitigates risk (collateral, covenants, etc.).
- Loan Documentation Review: Ensure all loan documentation is in accordance with approved terms and that risks are adequately addressed in the documentation.
- Market & Industry Analysis: Stay up-to-date with market conditions, industry trends, and economic factors affecting corporate borrowers and the syndication market.
- Compliance: Ensure all credit analysis and decisions are in compliance with internal policies and regulatory requirements.
- Mentorship & Training: Provide guidance and mentorship to junior credit analysts in developing their analytical skills and credit decision-making capabilities

**Requirements**:

- Experience: At least 8 years of experience as a Credit Analyst, with specific experience in corporate and syndicated loans.
- Technical Skills: Strong proficiency in financial statement analysis, financial modeling, credit risk assessment, and ratio analysis.
- Industry Knowledge: In-depth understanding of corporate lending, loan syndication structures, and current credit market dynamics.
- Analytical Skills: Exceptional analytical and quantitative skills with the ability to interpret complex financial information and assess credit risks.
- Communication: Excellent verbal and written communication skills with the ability to present complex analyses clearly and concisely.
- Problem Solving: Strong decision-making capabilities with a proven ability to identify, assess, and mitigate risks effectively.
- Attention to Detail: High attention to detail, with the ability to manage multiple tasks and deadlines.
- Team Player: Ability to work collaboratively with other departments, including legal, compliance, and the syndication desk, as well as external stakeholders.
- Regulatory Knowledge: Familiarity with relevant regulatory frameworks


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