Credit Analyst

Requirements

• Previous experience in Credit Management or Finance preferred
• Bachelor’s Degree in Business, Economics, Finance, or Accounting
• Knowledge in Financial Analysis (Balance Sheet, Profit & Loss and Cash Flow Statement)
• Highly proficient with MS Office, with intermediate Excel skills required
• Must be extremely detail oriented
• Strong customer service focus
• Advanced written and verbal English (any other European language will be considered as a plus)
• Excellent oral and written communication skills, with the ability to communicate across many organizational levels
• Must possess high energy and sense of urgency
• Strong organizational skills and ability to work with many projects simultaneously
• Experience excelling within fast paced, high energy environments

Responsibilities

• Perform analysis and release for orders on credit hold due to:
  • Credit Limit exceeded
  • Overdue
• Process blocked orders after the credit assessment
• Customer financial statements analysis (Balance Sheet, Profit & Loss and Cash Flow Statement)
• Assess new customer credit risks
  • Assess customers against policy and document credit risks
  • Issue proposed credit limits for approval
  • Support the review of Non-Standard Commercial Terms
• Ongoing monitoring of customer credit risk
  • Monitor & update specific customer risks
  • Liaise with stakeholder groups to discuss options
  • Communicate with interested parties
  • Monitor customers nearing or reaching credits
  • Analyze a portfolio of customers, and document overall credit risks
• Annual credit reviews
  • Monitor timeliness and requirement for annual review
  • Reference credit records with customer activity, including outstanding balances
  • Request deactivation of customer accounts (where appropriate) 
  • Evaluate ratings and propose changes to limits.
• Execute standard credit reporting
• Support other OTC Process teams as business demand requires