Credit Admin / Loan Admin

Running a good credit process & document is in accordance with the provisions


Main Responsibility :

• Assist in the process of credit in the branch
• Ensure the validity and existence of credit documents
• Mengadministrasikan credit documents
• Capable of working with the customer service orientation
• Have any understanding of credit and risk

Qualification:

• Minimum education: Major Degree /IPK 2.75
• Maximum age: 30 years
• 1 year experience in the administration
• The local language and culture
• Works MS Office (Excel and Word)

Sales Anchor / Anchor Relationship Microbank

Maintaining a good relationship with the customer (debtor) through the Service (visits) and Cross Selling, resulting in a sustainable business (business sustainability) in the branch.

Main Responsibility

• Sales Officer help increase sales and maintain relationships with the task of existing customers.
• Conducting visits (pick up) to the customer so that the quality of the loan (credit) given to support achievement of the optimal branch. Visits, among other Cash Pick Up, Check Business Development, Top Up and Collection
• Helping branch (Branch Manager) to build community center with the customer is always involved in the branch activities
• Have high integrity, discipline, Proactive, Target Oriented Persistence and communicative
• Customer service orientation
• Skills to build long term relationships with customers, including the loan ceiling to improve the customer through our top-up
• Ability to sell and negotiate

Qualifications:

• Major degree minimum
• Maximum age 30 years
• The local language and culture
• The task of field
• Able to establish communication and able to adapt quickly

Sales Officer / Relationship Officer on microbanking

Responsible for achieving sales target with the disciplinary process of the sale, so that support accelerated achievement of branch sales target.


Main Responsibility :

• Search for the customer (debtor) with the new fill and run the daily agenda of good and true
• Managing portfolio (loans) for customers who have developed a healthy relationship with both of the customer. Among others: Cash Pick Up, Business maintained, Top Up and Collection
• Make penetration of the sales area up to 10 km from the branch office
• Helping branch (Branch Manager) to build community center with the customer is always involved in the branch activities.
• Have the ability to sell and have the ability to pro-negotiation
• Have high integrity, Discipline, Proactive, Persistence,Target Oriented and communicative

Qualification:

• Education: major degree /IPK 2.75
• Maximum age 30 years
• 1-2 years minimum experience
• The language and local culture
• Strongly oriented towards the target
• The task of field
• Able to establish communication and able to adapt quickly

Micro banking Player in Indonesia

Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.

Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.

Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.

Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....

Working On Micro Banking

Working on micro banking not be like by everyone. For people who have both experienced and new graduates, work at a bank is the prestige and arouse so rollicking submit application letter with the hope to work in one of the micro bank in Indonesia. Consequently many of them have received as employees expressed disappointment. Why this can happen, the answer is very simple because they do not know Anything about micro banking.

In fact at the time of signing the agreement before the work, some of the micro bank said "If you are not a workaholic, better step down now" but they still see continued without further work on the bank again.

The system especially micro bank is very much different with the work on conventional bank / regular bank. Entering the micro banking world must be ready to exit-entry markets, shops, stalls and also be ready to be workaholic. Paradigm of workaholic, of course, because the shareholders want the company benefits from big business. Applied in the target to get mad and throw the customer time and loans is not a hindrance to work tired, although without calculating the overtime.

However, hard work of course get the reward that kind, especially in the form of incentives. For those who have achievement incentive of 1 monthly basic salary is not that difficult to get and there are many incentives in the period of 3 monthly, 6 monthly, yearly and even 5 yearly. So, for the workaholic, work on the micro banking is very precise, especially if you want to get the results be more.

Paradigm Micro Bank in Indonesia

Working on Bank of Micro not be like by everyone. For people who have both experienced and new graduates, work at a bank is the prestige and arouse so rollicking submit application letter with the hope to work in one of the bank is in the micro Indonesia. Consequently many of them have received as employees expressed disappointment. Why this can happen, the answer is very simple because they do not know Anything about micro banking.

In fact at the time of signing the agreement before the work, some of the micro bank said "If you are not a workaholic, better step down now" but they still see continued without further work on the bank again.

The system especially micro bank is very much different with the work on bank conventional / regular. Entering the micro world must be ready to exit-entry markets, shops, stalls and also be ready to be workaholic. Paradigm of workaholic, of course, because the shareholders want the company benefits from big business. Applied in the target to get mad and throw the customer time and loans is not a hindrance to work tired, although without calculating the overtime.

However, hard work is, of course, get the reward that kind, especially in the form of incentives. For those who have achievement incentive of 1 monthly basic salary is not that difficult to get and there are many incentives in the period of 3 monthly, 6 monthly, yearly and even 5 yearly. So, for the workaholic, work on the micro bank is very precise, especially if you want to get the results be more.

Micro Banking Credit Officer

Duties and Responsibilities

• Registration application forms credit application
• To process a credit in accordance with the Credit Policy
• Investigations negative information potential borrowers
• Make recommendations for analysis and credit approval
• Obeying Procedures and Policies that apply

Education

• Minimum D3 graduates of all majors

Competence

• Experience at least 2 years working as a Marketing Analyst in the credit or BPR or Bank or other Financial Institutions
• Have high integrity
• Of the local language and able to build relationships with the community
• Having good communication skills and a thorough
• An analysis of how to think of good

Micro Banking Teller & Customer Service

Employees who are responsible to provide services to customers and handle transaction processing in both the branch and in the place where customers and do cross selling to customers.

Duties and Responsibilities

• Responsible for opening up the account, customer account closure
• Serving customers in conducting transactions in cash and non cash with both true and appropriate conditions
• Conducting matching (reconciliation) and ensure that all transactions in accordance with the evidence of the transaction
• Cross selling and service excellence to run
• Creating daily reports
  

Education

• Minimal D3 graduates from All departments

Competence

• Diutamakan experience as a cashier or teller for 1 year
• Capable of working with the team
• Have a commitment to achieving quality
• Ability to follow instructions and procedures and regulations that have
• Ability to provide services in a precise and efficient

Micro banking Operation Officer (OO)

Responsible for operational activities in the unit / branch and the control and supervision functions of the teller and security Assisting the branch manager / Unit Manager in the implementation of the annual work plan, operational plan and service compliance with the rules and control and run and follow the work plan is

Duties and Responsibilities

• Responsible for full operation in the branch and can help provide solutions to operational problems and to monitor its
• Conducting daily inspections and maintenance reports for the CIF, of accounts, reporting, BI, Line Of Business, customer verification, Balance Sheet, Profit Loss, Rek Broker.
• Responsible on the liquidity flow in the branch, Test Key, filling the building and maintenance documents.
• Make registration and is responsible for the existence of inventory and office stationery office , and the valuable message that is in the branch

Education

• Minimum S1 from all departments

Competence

• Minimum 3 years experience in the field of banking
• Be able and capable of working in a team
• Able to supervision
• Understanding and understand the function of Operation Support businesses that support the Bank
• Knowing the system and operational procedures banking
• Can these issues, make decisions and avoid high risk
• Always think the interests of our customers better, "Customer Oriented"
• Understanding banking system development process
• Understanding the standard Bank policies

Micro Banking Branch Manager

Branch leaders who bertanggungawab to target business, operational process, service to customers and quality of credit portfolio.

Duties and Responsibilities

• Duty to lead a unit or branch
• Responsible for the portfolio with the branch's target customer sector
• Small micro and medium (MSMEs) in the area around the branch.
• Responsible for all operational activities of the process: managing the budget, responsible for infrastructure and maintenance as well as responsible for the creation of reports and branches.
• Responsible for the recommendation and keputtusan credit.
• Monitoring and mensupervisi marketing team in the application, target achievement, relationships with customers and a smooth customer installment payments.
• Develop a network with the local community against the company / bank

Education

* Minimal S1 graduates from all majors


Competence

* Minimum of 3 years on the same field of SME, cooperative, or BPR
* Have experience of marketing
* Have high integrity
* The soul of leadership
* Orientation target
* Spirit and Creative