Credit Underwriter/Analyst
Location: Jakarta Utara
Company: Lhoopa Indonesia Properties — a property technology company
Location: SCBD, South Jakarta
Work Arrangement: Work from Office (WFO)
Working Hours: Monday–Friday, 9:00 AM–6:00 PM
Overview
Lhoopa is a fast-scaling proptech company transforming affordable housing across Southeast Asia through technology-driven operations. Our model leverages a decentralized ecosystem of brokers, contractors, and local partners to acquire, renovate, and sell affordable homes efficiently and at scale.
As a Commercial Credit Underwriter/Credit Analyst
, you will Assess property developers and financing proposals by evaluating financial performance, project feasibility, and repayment capacity. Your recommendations will help Lhoopa make informed financing decisions and manage credit risk.
Responsibilities
Assess developer creditworthiness by reviewing financial statements, bank statements, credit reports, existing debt, and business performance.
Evaluate project budgets, construction progress and cost-to-complete, funding requirements, sales and buyer/receivable quality, collateral coverage, and repayment sources.
Build cash flow and repayment projections and conduct sensitivity analyses for construction delays, slower sales, delayed repayment, and cost overruns.
Verify supporting documents, investigate inconsistencies, and coordinate due diligence with internal teams.
Prepare credit reports with clear recommendations on financing amount and structure, disbursement conditions, key risks, and required safeguards.
Monitor approved financing, repayment performance, project progress, and early warning signs; support improvements to credit assessment processes.
Qualifications
Bachelor’s degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.
Minimum 5 years of banking experience in commercial credit analysis, underwriting, or credit risk.
Strong skills in financial statement analysis, cash flow assessment, credit structuring, and financial modeling using Excel.
Understanding of collateral, credit reports, and key ratios, including DSCR, LTV, and LTC.
Experience with property developers or construction financing is preferred; willingness to conduct site visits is required.
Strong analytical judgment, attention to detail, integrity, and written and verbal communication in Bahasa Indonesia and English.
What success in this role looks like
Accurate, evidence-based credit assessments are completed within agreed timelines.
Material risks and information gaps are identified before financing decisions.
Management receives clear, practical financing recommendations.
Repayment performance and emerging risks are monitored and escalated promptly.
Lhoopa is a fast-scaling proptech company transforming affordable housing across Southeast Asia through technology driven operations. Our model leverages a decentralized ecosystem of partners including brokers, contractors, and consultants to drive scalability, speed, and local responsiveness in your P acquisition, construction, and turnover operations.
Lhoopa is a fast-scaling proptech company transforming affordable housing across Southeast Asia through technology driven operations. Our model leverages a decentralized ecosystem of partners including brokers, contractors, and consultants to drive scalability, speed, and local responsiveness in your property acquisition, construction, and turnover operations.
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