Job Description Responsible for conducting credit evaluations on companies to ensure loan feasibility and repayment capability. Work in credit risk management teams to identify and evaluate credit risks, and provide recommendations on loan approvals or rejections. Play a key role in supporting the growth of productive credit portfolios and ensuring the quality of credit assets is maintained. Main Responsibilities: Credit Analysis: Conduct comprehensive credit analysis on companies to assess creditworthiness, including analyzing financial statements, cash flows, financial ratios, and business risks. Generally, Credit Analysts should understand the assessment of the 5 Cs (character, capacity, capital, collateral, and condition). Risk Assessment: Evaluate credit risks associated with each company, including industry risk, market risk, and operational risk, to understand potential credit losses. Portfolio Monitoring: Regularly monitor the company's credit portfolio to identify potential credit risks and take necessary actions to mitigate risks. Credit Commitments: Analyze and determine the appropriate amount and terms of loans for each company based on credit analysis results. Report Preparation: Prepare credit analysis reports and credit recommendations for senior management and credit committees, including routine reports to regulators. Team Collaboration: Collaborate with sales teams, risk management, and other departments to ensure efficient and timely credit decision-making processes. Compliance and Regulation: Ensure that all credit analysis processes comply with company regulations and policies as well as applicable banking and financial compliance standards. Market Development: Identify new opportunities for business growth and portfolio development in relevant Company business sectors. Information Updates: Keep abreast of relevant industry developments and market trends to ensure continuous updates and improvements in credit analysis processes. Customer Relations: Build and maintain good relationships with companies to strengthen long-term business relationships. Qualifications Minimum Bachelor's degree (S1) in finance, economics, or related field. Minimum 3 years of work experience in credit analysis or in banking or financing institutions involved in productive lending. Strong analytical skills and deep understanding of financial analysis. Good communication skills (both oral and written). Ability to work independently as well as in a team. Strong understanding of banking and financial regulatory compliance. Good computer skills, especially in spreadsheet and financial analysis software usage. Possession of financial certifications such as CFA is considered an added value.