Product Owner (Associate - Senior/Lead Level Available)
cermaticom
Full time
Corporate Credit Risk Analyst – Productive and Employee Loan
cermaticom· Risk
About this role
Company Description
Job Description
- Financial Statement Analysis: Conduct in-depth analysis of corporate financial statements (Balance Sheet, Income Statement, Cash Flow) to assess a borrower's financial health, profitability, and cash flow generation.
- Credit Assessment & Modeling: Build and run financial models to project future performance and calculate critical credit metrics (e.g., debt-to-EBITDA). Determine the borrower's internal credit rating and risk profile.
- Underwriting & Documentation: Prepare comprehensive credit write-ups/memos detailing the findings, identifying risks, and recommending approval or denial of loan applications to the Credit Committee.
- Portfolio Monitoring: Continuously monitor a portfolio of corporate clients for compliance with loan covenants and track performance metrics. Identify and report early warning signs of financial distress.
- Risk Mitigation & Structuring: Recommend appropriate loan structures, collateral requirements, and pricing to mitigate identified credit risks and ensure the transaction aligns with the institution's risk appetite
- Industry Research & Compliance: Research industry trends and economic factors impacting borrowers. Ensure all credit decisions and processes adhere to internal risk policies and regulatory standards.
Qualifications
- Minimum Bachelor degree in business/ finance/ accounting/ economics/ mathematics from a reputable university
- Minimum 2+ years experience in related field
- Fluent in English & Indonesia
- Proficient with Microsoft Office
- Proficient with finansial modelling including forecasting financials, valuations
- Possess basic knowledge of Indonesia taxation
- Possess high attention to detail
- Having risk-related certification is a plus
Additional Information
Frequently Asked Questions
Is the salary disclosed for the Corporate Credit Risk Analyst – Productive and Employee Loan position at cermaticom?
The salary for this Corporate Credit Risk Analyst – Productive and Employee Loan role at cermaticom is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Corporate Credit Risk Analyst – Productive and Employee Loan position at cermaticom located?
This Corporate Credit Risk Analyst – Productive and Employee Loan role at cermaticom is based in Jakarta, Jakarta, Jakarta, Indonesia, id. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Corporate Credit Risk Analyst – Productive and Employee Loan role at cermaticom full-time or part-time?
This is listed as a Full time position. It is posted as a Corporate Credit Risk Analyst – Productive and Employee Loan role in the Risk department at cermaticom.
Which team or department does the Corporate Credit Risk Analyst – Productive and Employee Loan at cermaticom belong to?
This Corporate Credit Risk Analyst – Productive and Employee Loan position is part of the Risk department at cermaticom. See the full job description for more information about the team structure and responsibilities.
How do I apply for the Corporate Credit Risk Analyst – Productive and Employee Loan position at cermaticom?
Click the "Apply Now" button on this page. You will be redirected to cermaticom's official application portal hosted on smartrecruiters where you can submit your application directly.
When was the Corporate Credit Risk Analyst – Productive and Employee Loan job at cermaticom posted?
This Corporate Credit Risk Analyst – Productive and Employee Loan position at cermaticom was posted on Nov 21, 2025. Apply as soon as possible — early applications are often reviewed first.
Corporate Credit Risk Analyst – Productive and Employee Loan
cermaticom
You'll be redirected to cermaticom's official application page on SmartRecruiters.