Commercial Banking RM
6 days ago
Job Description:
- Bertanggung jawab terkait dengan Sales & Service dalam rangka pencapaian target & pengembangan bisnis Cabang diantaranya dengan melaksanakan Action Plan sesuai strategi Commercia, mengimplementasikan penetrasi market sesuai dengan TM RAC yang telah ditentukan, melakukan Proses credit sesuai dengan coridor dan SLA yang ditentukan dalam CX2 Project, memberikan draft jawaban, data, dokumen dan berkoordinasi dengan atasan dan Commercial Business atas temuan audit baik internal maupun external, menjalankan dan follow up atas penyelesaian temuan audit, melakukan pemenuhan dokumen sesuai target date terkait dengan FPKD Report - monthly, Asuransi Jatuh Tempo - quarterly, Covenant Monitoring – monthly, Stres Testing - by request, Wacthlist Review - monthly, RCSA - Risk Credit Self Assesment - quarterly, Special Mention Follow Up – daily, mengindentifikasikan potential customer di cabang yg bisa direfer ke Business lain, dan menganalisa, memastikan calon debitur yang diperoleh dari proses referal sesuai dengan target market dan dapat diproses lebih lanjut.
- Sales Management & Performance: mengikuti pipeline meeting dengan Commercial Banking Manager, memastikan secara individu mempunyai performance/ kinerja yang baik, dan mengikuti program-program peningkatan performance/ kinerja individu.
- Bertanggung jawab dalam Credit Process di Cabang: melakukan Prospecting, merencanakan dan berkoordinasi dengan Pimpinan untuk melakukan plan visit ke Debitur, serta melakukan aktivitas meng-input Rekening Koran, Order BI Checking, memberikan List Buyer dan Supplier, Input Penilaian Taksatur, Order Penilaian jaminan ke Eksternal Taksatur, membuat Round Table Report, memastikan Credit Analyst mendaftarkan Round Table ke Business, membuat Proposal Kredit sesuai dengan GCP dan Credit Corridor yang ditentukan, mengisi Compliance Sheet/meminta review ke Compliance, Ikut dalam Sesi Committee Credit dan memastikan hasilnya sesuai dengan kebutuhan debitur (disesuaikan dengan kebutuhan), memberikan Indicative Term Sheet ke debitur dan melakukan negosiasi (bersama dengan Business) jika keputusan kredit tidak sesuai dengan permohonan debitur, Bbrkoordinasi dengan Legal untuk mempersiapkan proses pengikatan kredit (order MAY, order Notaris), menyiapkan dokumen jaminan dan legaliatas dari debitur uantuk akad kredit, membuat Credit Notice dan lainnya untuk memastikan setting fasilitas dilakukan sesuai dengan akad kredit dan permohonan debitur, membuat internal memo untuk special pricing, perubahan covenant, syarat pencairan dll (disesuaikan dengan kondisi dan kebutuhan), memastikan penawaran asuransi, jenis pertanggungan dan lainnya sesuai dan ditandatangani oleh debitur sebagai persetujuannya, membuat perpanjangan kredit sesuai dengan jatuh tempo kredit, meminta dokumen deviasi di setiap perpanjangan fasilitas debitur, dan Memberikan copy dokumen ke debitur seperti PK, Laporan Eksternal taksatur, Nota debet, Copy polis asuransi ke debitur.
Job Qualification:
- Pendidkan formal lulusan S1 dari berbagai disiplin ilmu.
- Pengalaman kerja minimal 2 tahun di Marketing Perbankan (terutama di segmen Commercial).
- Lokasi penempatan di Kantor Polonia, Medan.
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