Credit Analyst, Credit Control Services, Operations, SeaBank

PT Seabank Indonesia (Jakarta, Jakarta, Indonesia)

DKI Jakarta, Indonesia

SeaBank is a digital financial institution. We are a tech-based banking company, providing customers the convenience of banking 24/7 from home or anywhere, through smartphones. SeaBank aims to become the country’s Bank with Digital Services destination via ongoing product optimization and cutting-edge technology, providing a seamless and enjoyable user experience. Prior to being acquired by SEA in 2021, SeaBank was known as PT Bank Kesejahteraan Ekonomi (BKE), a bank that was established in 1992. SEA (NYSE: SE) is a leader in digital entertainment, e-commerce and digital financial services across Greater Southeast Asia. Together with Sea, SeaBank's mission is to better the lives of consumers and small businesses in our region with technology. The SeaBank team is rapidly growing. We are on the lookout for talent who have the drive to shape the future of banking industry and serve the underserved segment in Indonesia. If you are excited by innovation and the new ways of banking, SeaBank could be a place for you.

About this position

The Credit Analyst position at SeaBank involves ensuring the completion of credit documents, conducting thorough analyses of credit applications, and preparing reports on debtor conditions. The role requires collaboration with various units and adherence to risk acceptance criteria.

Responsibilities

• Ensure credit documents have been completed.
• Conduct on the spot (OTS) to ensure the real conditions and collateral of prospective debtors.
• Conduct analysis of credit applications and credit analysis documents specifically Credit Analysis Tool (Perangkat Analisa Kredit), and Disposition Sheet regarding the PAK Proposal to be approved by members of the Credit Decision Committee.
• Conduct credit analysis and prepare reports on the results Analysis of the 3 Pillar and Early Warning of debtors above IDR 1 billion to the head of the Credit Analyst department and coordinate with related units.
• Monitor the results of the four eyes principles analysis.
• Selecting debtor referring to the provisions of the Risk Acceptance Criteria.
• Coordinate the results of the four eyes principles Analysis to the proposer and credit decision-making committee.
• Prepare DPD (Day Past Due) & Maturity Reports.

Requirements

• Bachelor’s degree in any major, preferably Economics/Management/Law.
• Min. 3 years relevant experience in banking industry.
• Understand the regulations and business processes in the banking industry.
• Having good communication skills.
• Understand financial report analysis.
• Understand the litigation and credit process.