Company Overview

Founded in 2022, Atma is a social job platform powered by community. We focus on solving pain points within the lower and middle-income job segment to build an end-to-end ecosystem that includes a job marketplace, an up-skilling institute, and a community-based support system. Atma aims to build the largest and most engaged community of lower and middle-income job seekers with a shared mission to "get better": better job, better income, better life. The company is headquartered in Jakarta and employs between 11-50 employees in the Technology, Information, and Internet industry. Visit us at www.atma.co.id or download the Atma app on the Playstore: bit.ly/DownloadAplikasiAtma.

Job Overview

We are seeking a highly experienced Senior Relationship Manager Lending to join our client's team on a full-time basis. The incumbent will be responsible for managing client relationships and lending portfolios in various regional locations including Denpasar, Makassar, Bandung, Yogyakarta, Surabaya, Medan, and Palu. This role requires a minimum of 7 to 10 years of work experience in lending, financial services, banking or a related field with a focus on relationship management

Qualifications and Skills

• Proven experience in client relationship management. This is a mandatory skill.
• In-depth knowledge of credit analysis techniques to assess client creditworthiness.
• Experience in loan origination, including understanding the complete loan life cycle from application to funding.
• Proficiency in risk management to identify, assess, and mitigate financial risks.
• Strong financial modeling skills to create representations of a company's financial performance.
• Effective portfolio management to oversee and manage a variety of client portfolios.
• Thorough understanding of regulatory compliance requirements to ensure all activities comply with legal standards.
• Excellent communication and interpersonal skills to build and maintain client relationships.
• Excellent sales and negotiation skills
• Bachelor’s degree in finance, business administration, or a related field (Master’s degree preferred)
• Proven track record of managing high-value client relationships and achieving sales targets
• Strong relationship-building and interpersonal skills.
• In-depth knowledge of banking products, services, and financial markets.

Roles and Responsibilities

• Manage and deepen relationships with key clients to drive business growth in lending.
• Conduct thorough credit analysis to determine the creditworthiness of clients.
• Oversee the loan origination process to ensure timely and accurate loan approvals.
• Assess and manage risks associated with the lending portfolio.
• Create and maintain financial models to aid in client assessments and lending decisions.
• Manage multiple client portfolios, providing tailored financial solutions.
• Ensure all lending activities comply with statutory and regulatory requirements.
• Collaborate with internal teams to develop new lending products and services.
• Provide training and mentorship to junior relationship managers and other team members.
• Ability to analyze financial data and provide strategic advice.
• Effective communication and presentation abilities.