Credit Risk Analyst

📍 𝗣𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁: Manado, North Sulawesi𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀:1. Bachelor’s degree in any major2. Minimum 5 years of experience in a same or similar position in the Heavy Equipment industry3. Proficient in MS Office (Word, Excel, PowerPoint)4. Conversational English proficiency, both spoken and written5. Strong negotiation, financial analysis, and risk assessment skills6. Willing to travel across North Sulawesi for business trips𝗝𝗼𝗯 𝗥𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝗶𝗲𝘀:1. Negotiate and manage contract signing, assist with equipment delivery, and collect insurance and warranty documents after delivery2. Conduct on-site credit investigations, analyze client financials, and prepare credit risk reports for internal approval3. Manage rent collection and overdue cases, coordinating with law firms and external agencies to recover equipment when necessary4. Prepare business and financial analysis proposals in English5. Analyze financial statements, ratios, and business flows to support credit decisions