Credit Analyst - Financial Risk Assessment & Lending Solutions

Join Palawan Pawnshop as a Credit Analyst in our dynamic lending business unit, where your financial expertise will drive smart, data-driven credit decisions. Based in the vibrant heart of Bali, this role offers a unique opportunity to contribute to our mission of providing accessible and responsible lending solutions. In this position, you'll work closely with our loan officers and risk management team to assess creditworthiness, ensuring our borrowers receive the best possible terms while maintaining the financial health of our institution.

At Palawan Pawnshop, we pride ourselves on our innovative approach to lending, leveraging cutting-edge technology to streamline our processes and enhance our decision-making. As a Credit Analyst, you'll have the chance to work with tools like Bloomberg Terminal, SAP, and Tableau, among others. This role is perfect for someone who thrives in a fast-paced environment and is passionate about using data to inform their decisions.

📋 Tanggung Jawab Pekerjaan

• Conduct comprehensive credit assessments for loan applicants, evaluating financial statements, credit histories, and other relevant data.
• Utilize advanced analytics and risk assessment tools to support lending decisions.
• Collaborate with loan officers to ensure consistent and accurate credit evaluations.
• Monitor and analyze credit performance to identify trends and potential risks.
• Develop and implement risk mitigation strategies to protect the financial health of the institution.
• Stay up-to-date with industry trends and regulatory requirements to ensure compliance and best practices.
• Provide training and support to loan officers on credit assessment techniques.
• Prepare and present regular reports to senior management on credit performance and risk.

🎓 Kualifikasi & Syarat

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• 3-5 years of experience in credit analysis or financial risk assessment, preferably in the lending industry.
• Proficiency in using financial analysis tools such as Bloomberg Terminal, SAP, and Tableau.
• Strong understanding of credit scoring models and risk management principles.
• Excellent analytical and problem-solving skills.
• Ability to work well under pressure and meet tight deadlines.
• Strong communication and interpersonal skills.
• Certification in financial analysis or risk management is a plus.

🛠️ Keahlian

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