Introduction
We are seeking a dynamic Account Officer to join our Cabang Condongcatur branch. This role is a key driver of our retail banking growth, responsible for building and maintaining strong relationships with both existing and prospective clients. The ideal candidate will thrive in a fast‑paced environment, possess a keen eye for credit risk, and be comfortable working both in the office and in the field to meet sales targets.
Responsibilities
- Identify, approach, and acquire new corporate and individual customers for loan and credit products.
- Conduct thorough credit assessments, including financial statement analysis, cash‑flow evaluation, and risk rating.
- Prepare and present credit proposals to the credit committee, ensuring compliance with internal policies and regulatory standards.
- Maintain a robust pipeline of loan applications and follow up diligently to achieve monthly targets.
- Provide post‑approval service, including loan disbursement, monitoring repayment performance, and handling restructuring requests.
- Collaborate with the marketing team to develop localized promotional activities and community outreach programs.
- Travel within the assigned Condongcatur area to meet clients, conduct site visits, and gather market intelligence.
- Maintain accurate records in the bank’s CRM system and generate regular performance reports for senior management.
- Ensure adherence to all banking regulations, anti‑money‑laundering (AML) procedures, and internal audit requirements.
Requirements
- Male or female candidates, maximum age of 35 years.
- Minimum education: D3/S1 in any discipline; preferably Economics, Management, or Banking.
- At least 1 year of experience as an Account Officer or Credit Marketing Officer (fresh graduates with strong internships are also considered).
- Demonstrated ability to analyze credit risk and communicate findings effectively.
- Target‑oriented mindset with a proven track record of meeting or exceeding sales goals.
- Valid SIM C and personal vehicle for field activities.
- Deep knowledge of the Condongcatur market and its business landscape.
- Excellent interpersonal, negotiation, and problem‑solving skills.
- Proficiency in MS Office, especially Excel, and familiarity with banking CRM tools.
- Availability to work Monday‑Saturday, 08:00‑17:00.
Benefits
- Competitive base salary with performance‑based incentives.
- Comprehensive health and dental insurance for you and your family.
- Annual professional development allowance and access to banking certification programs.
- Transportation allowance or reimbursement for fuel expenses.
- Paid leave, including annual, sick, and maternity/paternity leave.
- Employee wellness programs and team‑building activities.
- Clear career progression path within the bank’s national network.
About Company
Our bank is a leading financial institution in Indonesia, known for its strong commitment to customer service, innovative digital solutions, and responsible lending practices. With a nationwide presence and a focus on community development, we empower individuals and businesses to achieve their financial goals. The Condongcatur branch serves a vibrant and growing market, offering a diverse portfolio of products ranging from personal loans to SME financing. Join us to be part of a forward‑thinking team that values integrity, collaboration, and continuous improvement.
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