
22013r-credit & Collections Spec 3
7 days ago
Key Responsibilities
- Perform credit analysis and assess the financial statements and credit history for all new and existing customers globally.
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, change requests, bi-annual and annual due diligence.
- Review customers to determine creditworthiness.
- Maintain Credit Risk record files.
- Adhere to credit policy and guidelines.
- Complete ratio, trend and cash flows analyses and create projections.
- Provide recommendations tied to analysis and assessment to mitigate the risk.
- Analyze financial statements (balance sheet, income statement cash flow statement)
- Assess, analyze and interpret credit reports such as D&B, CRMZ or Private financials.
- Determine credit line and payment terms for the customers.
- Periodically work with customers to procure financial statements.
- Work with customer and legal to get the parent guarantee signed.
- Analyzing periodic market patterns via evaluating country risk
- Collaborate with internal teams for quicker solution.
- Understanding of business, economic, and industry risk
Academic & IT Skills required:
- Should be a Graduate in Finance, Accounting or related field.
- Experience in SAP
- Good experience in MS Office Suite, Advanced Excel skills
Other competencies & Soft skills required:
- Should have minimum 7 years of experience.
- Thorough understanding and analysis of the financial statements, ratios, balance sheet, income statement and cash flow statement
- Should be proficient at E-mail etiquette.
- Strong communication and presentation skills
- Able to work during extended hours if required.
- Excellent organizational, analytical, and time-management skills
- Critical thinking
- Excellent analytical skills
- Ability to prioritize tasks
- Strong attention to detail and ability to notice discrepancies in data.
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