Corporate Card Underwriting
2 months ago
**Date**:Nov 22, 2024
**Location**: Jakarta
**Company**:PT Bank Danamon Indonesia Tbk
**Job Purposes**:
- Melakukan analisa secara Komprehensif terhadap permohonan kredit calon debitur dan memberikan rekomendasi putusan kredit Approve atau reject kepada Senior Credit Officer.**Job Purposes**:
**Responsibilities**:
- Melakukan analisa secara komprehensif untuk memastikan kelayakan jaminan dan kemampuan bayar calon debitur bersasarkan data dokumen, hasil BI Checking, hasil survey/ hasil phone verifikasi serta laporan appraisal (LRV, IIR) berdasarkan kebijakan/policy yang berlaku.
Membuat CFR dan memastikan kedalam sistem CAS yang digunakan,bahwa : Data telah diinput serta perhitungan IIR, LTV dan pembuatan covenat kredit telah dibuat sesuai dengan kebijakan Mortgage. Memberikan persetujuan kredit sesuai dengan BWMK dan meneruskan kepada pemutus selanjutnya jika proposal yang diterima melebihi kewenangannya.
Membuat Form Tolakan dengan alasannya berdasarkan data yang ada
Melakukan Follow Up dan koordinasi dengan pihak terkait (Business Unit, Legal, dan Related Party) sehubungan dengan Issue yang terjadi dalam keitannya dengan proses persetujuan kredit
Menyelesaikan proposal sesuai SLA yang ditentukan sesuai matrix yang berlaku dengan menggunakan system CAS yang digunakan.
**Responsibilities**:
- Aspek Risk : Hasil audit acceptable. Manage good booking quality, FPD at months default after booking kurang 1 (by Account). Maintain Self Assesment rating for CA :need improvement. No fraud, minimum
- Aspek Support bisnis : Maintain approval rate at 60-70%
- Aspek Operasional : Manage SLA. Penginputan kedalam system CAS sudah benar.
**General Qualification**:
**Soft Competency (Spesifik Fungsional)**:
- Memahami mutu
- Memiliki kemampuan berkomunikasi yang baik
- Mampu berkerjasama
- Mengerti dan dapat menjalankan program Aplikasi Microsoft Office**Technical Competency (Kompetensi Teknis)**:
- Memiliki pengetahuan dan pengalaman sebagai analis Credit Consumer/Komersial/SME
- Memahami aspek risiko dalam proses kredit konsumer
- Memiliki pengetahuan dalam verifikasi kreidt konsumer
- Memiliki pengalaman dalam bidang administrasi kreidt**Education**:
**Educational Backgroud** :Min S1
**Job Segment**:Mortgage, Finance
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