Sr./ Specialist, Credit Analysis
- أبو ظبي
- دائم
- دوام كامل
- Perform credit evaluation for customers across the company, covering Middle East, Africa & Europe
- Implement and maintain global credit management framework (procedure and methodology)
- Support business strategies and growth through business partnering with sales, marketing, customer service and other functions
- Balance credit risk and business opportunities through effective risk mitigation tools and close collaboration with key stakeholders
- Participate in cross function credit risk management projects to enhance and streamline credit processes
- Perform credit review of customers based on the analysis of financial statement, country risk, credit agency reports, payment experience, risk and opportunity, economic and industry outlook
- Ensure credit limit approvals obtained as per Delegation of Authority
- Ensure credit reviews are carried out timely prior to credit limit expiry
- Mitigate credit risk through various collateral strategies (Bank Guarantee, Standby Letter of Credit, Insurance or other means of risk mitigation) and ensure validity and enforceability of the collaterals
- Monitor the credit risk of customer proactively and take appropriate actions accordingly to manage credit risk exposure
- Monitor and assess the business outlook and market trends and engage key stakeholders where there are potential credit risk implications to the business
- Manage credit insurance policy through credit limit applications and ensure decisions are duly updated in the system
- Act as a focal point of credit team and engage regional sales and customer service teams to support sales transactions
- Engage key stakeholders to manage the Accounts Receivable through weekly overdue action plan and monthly Regional Credit Watch workshop
- Coordinate with banks to support requirements on trade financing services
- Proactively engage in timely and accurate collection of accounts receivable to achieve Days Sales Outstanding (DSO) and Days overdue outstanding (DOO) targets and other performance based metrics
- Negotiate repayment schedule and manage overdue notification/claim with credit insurance companies
- Keep management informed of any significant delinquency
- Initiate legal litigation/arbitration (supported by legal department) and work directly with external lawyer to collect overdue receivables
- University degree in Credit Risk Management/Finance/Accounting/Economics/Business or related discipline
- Minimum 2 years of credit analysis experience preferably with Middle East and Africa exposure
- Able to analyze financial statements, perform credit evaluations/reviews include providing recommendation with risk mitigation strategies
- Fluency in English is required and proficient in Arabic or other languages is an advantage
- Strong analytical, interpersonal and stakeholder management skills
- Knowledge of SAP
- Good excel and PowerPoint include presentation skills
- Experience in project management will be a plus but not mandatory