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Опубликовано 5 дней назад

Credit Analyst

Cargill

verifiedпроверено

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branchАПК (Агропромышленный комплекс)

cityКиев

sitewww.cargill.com

  • полная занятость
  • английский

Position objective:

  • Credit Portfolio Management and Risk Mitigation
  • Credit compliance and reporting

 

Responsibilities:

Portfolio Management and Risk Mitigation (70%):

  • Perform independent counterparty assessments and analysis on credit requests and limits. Review the limits set as necessary. Propose expansion/decrease of credit limits
  • Approve credit request within the delegated approval authority
  • Ensure proper documentation in place as required by policy and approval
  • Understand and assess the risks associated to the transactions entered into with the various counterparts and take these risks into consideration while assessing the limit needs
  • Daily approval of the shipments for compliance with established credit limits
  • Manage WLA credit control system
  • Monitoring compliance with credit policies, including over limit and past due account
  • Implementing and maintaining a consistent credit process as well as ensuring audit compliance
  • Work closely with legal in litigation cases (if any) and follow up bad debt recovery, Preparation documents for pledge
  • Soft and hard collection management
  • Work actively with the commercial teams to monitor the over limit and high risk exposures in order to take the necessary actions to mitigate risks and follow up on the action plans, debt repayment plan of overdue/bad debt customers
  • Perform customer visits to develop understanding of the market and business requirements and demonstrate such understanding in credit decisions
  • Conducting effective training sessions with commercial teams when required

 

Credit compliance and reporting (30%):

  • Prompt and accurate delivery of the weekly, monthly and add-hock credit reporting and provide insights on the key changes to the customer credit portfolio performance
  • Actively monitor and oversee customer portfolio e.g. over limit and past-due; analyze aging and AR trend of the portfolio to ensure credit targets and working capital metrics are met;
  • Ensure accurate and prompt update of customer credit information in 1C and WLA as per the credit approval
  • Working Capital Management - participate in the development of the WCM strategy and procedures; participate in setting targets for WCM and monthly performance reporting for WCM - DIO, DPO & DSO calculation and action plans for its improvement, monthly review
  • Provides input and drive continuous improvement in systems, processes and procedures. Evaluate and communicate for changes

 

Requirements:

Individual contributor with experience in clients' credit analysis for about 2-3 years.

Master Degree in Finance/Accounting/ Jurisprudence

Fluent English

Strong understanding and experience in credit analysis, internal control and/or experience in plant/ production environment is an advantage

Good knowledge of systems and processes to ensure courts and financials verification and analysis.

Good understanding of contractual and civil law

Average user of MS Office especially MS Excel

Experience in 1C v8 is an advantage

Ability to stand own ground and convince difficult stakeholders

Good communication and conflict management skills.

 

 

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