Corporate Credit Risk Analyst – Productive and Employee Loan

Cermaticom

Jakarta, Jakarta, Indonesia permanent

Posted: November 21, 2025

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. 

• 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

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