Overview
analis kredit Jobs in Batam, Riau Islands, Indonesia at PT. BPR Pundi Masyarakat
Title: analis kredit
Company: PT. BPR Pundi Masyarakat
Location: Batam, Riau Islands, Indonesia
Company Description PT. BPR Pundi Masyarakat is an officially licensed rural bank in Batam that has been serving the community since 2004. The bank provides savings, deposit, and credit services with fast processing and straightforward requirements. Supervised by the Financial Services Authority (OJK) and guaranteed by the Indonesia Deposit Insurance Corporation (LPS), the institution is committed to maintaining customer trust and financial security. PT. BPR Pundi Masyarakat focuses on professional, reliable, and easily accessible banking services for individuals and businesses across Batam.
Role Description The Credit Analyst (Analis Kredit) role is a full-time, on-site position based in Batam. The role involves assessing credit applications from individual and business customers, analyzing financial data and collateral, and preparing clear, accurate credit proposals. The Credit Analyst will conduct customer interviews and field visits, verify documents, and evaluate credit risk in line with internal policies and regulatory requirements. Daily responsibilities include monitoring loan performance, updating credit records, coordinating with relationship officers and other internal teams, and helping maintain a high-quality loan portfolio. The role also includes contributing to process improvements, supporting compliance with OJK regulations, and providing professional service that aligns with the bank’s standards.
Qualifications
- Strong analytical and numerical skills, including the ability to interpret financial statements and assess creditworthiness.
- Knowledge of banking, lending, and credit risk principles, preferably in the micro, small, and medium enterprise (MSME) segment.
- Attention to detail and accuracy in documentation, reporting, and data entry.
- Effective communication and interpersonal skills for interacting with customers and internal stakeholders.
- Ability to work on-site, manage time efficiently, and handle multiple credit cases in a fast-paced environment.
- Familiarity with relevant regulations and guidelines issued by OJK and other banking authorities is an advantage.
- Proficiency in basic office software (e.g., word processing, spreadsheets) and comfort working with banking systems.
- Diploma or Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field is preferred.
- Prior experience in credit analysis, lending, or banking operations is beneficial but candidates with strong potential are also encouraged to apply.
