Account Officer; Lending KC Mangga Dua

Account Officer (Lending), you will be at the forefront of driving the Bank’s lending growth. Your role is to acquire, develop, and manage a customer portfolio by providing tailored credit solutions that fit their financial and business needs. You will also play a key part in ensuring customer loyalty through proactive service, cross‑selling, and long‑term relationship building.

• Acquire and develop potential debtors (individuals or businesses) to achieve lending portfolio targets.
• Identify customer financing needs and propose suitable credit products (working capital, investment, etc.).
• Prepare comprehensive credit proposals covering financial analysis, repayment schemes, and risk mitigation.
• Conduct business visits to assess customers’ conditions and business prospects.
• Ensure complete documentation and coordinate with supporting units (legal, risk, credit review).
• Monitor loan portfolio performance, repayment, and early warning indicators.
• Maintain strong customer relationships and identify cross‑selling or repeat financing opportunities.
• Collaborate with Funding Officers to grow branch deposit (DPK) portfolios.
• Provide regular reporting on pipeline, portfolio, and key risk issues.
• Handle customer escalations to ensure excellent service delivery.

We are looking for a results‑driven and customer‑focused professional who:

• Holds a Bachelor’s degree (S1) in any major.
• Has minimum 2 years of experience in marketing within the banking industry.
• Possesses strong knowledge of banking policies, loan products, and credit principles.
• Understands risk assessment and credit analysis.
• Brings an existing customer network (preferred).
• Has excellent communication, negotiation, and relationship‑building skills.
• Is proactive, analytical, and target‑oriented with a strong business acumen.