Deskripsi pekerjaan RELATIONSHIP MANAGER - SME LENDING PT AMAN CERMAT CEPAT - KlikA2C
RELATIONSHIP MANAGER - SME LENDING
Qualifications
- Min. S1 in all majors (preferably Economics, Management, Finance, or Accounting).
- Work Experiences 2-4 years as a Relationship Manager (RM)/ Loan Officer in P2P Lending, Banking (SME/Commercial) or Non-Bank Financial Institution (LKNB) Industry.
- Portfolio & Track Record: Has a proven track record in achieving SME disbursement targets and managing loan portfolios in a healthy manner.
- Business Network: Has a database/ pipeline of SME class borrowers who are active in various potential sectors.
- Credit Analysis: Mastering financial statement analysis, cash flow analysis, and strong understanding of business credit risk assessment (underwriting).
Job Responsibilities
- Finding and identifying potential high-potential borrowers on an SME scale who need business funding.
- Conduct due diligence, site visits, and collect financial documents for prospective borrowers' businesses.
- Prepare credit proposals and collaborate with the risk/underwriting team to ensure the feasibility of funding facilities.
- Managing long-term relationships with borrowers and maintaining the quality of credit (Non-Performing Loans / NPLs) within safe limits.
- Carry out the restructuring or initial billing process in case of payment constraints.
