Senior Credit Analyst

Purpose Statement:

• Credit evaluation and analysis

• Collection management

Dimensions:

• Analyse and evaluate financial position of customers on a regular basis

• Order release tasks

• Ensure collection and follow up outstanding AR on a weekly basis

• Relevant years of experience preferred

Key Accountabilities:

Credit analysis and evaluation

• Adhere to credit policies, procedures and regulatory requirements.

• Analyse credit data, financial statements and other information to determine the degree of risk involved in approving credit limit applications. Able to compare liquidity, profitability and credit histories of establishments.

• Analyse changing market conditions and their impact on internal credit policies and procedures.

• Analyse buyer's records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.

• Perform order release tasks with due diligence.

• Advise buyers of necessary actions and strategies for debt repayment.

• Prepare and analyze reports on portfolio credit exposure including weekly past due reports and follow up with stakeholders on overdue.

• Arrange for debt repayment or establish repayment schedules, based on buyers' financial situations.

• Perform periodic reviews of existing credit exposures and report potential non-performing accounts.

• Prepare ad-hoc credit activity reports for management.

• Conduct reviews on flagged non-performing accounts and plan possible credit restructuring options.

Collection management

• Notify debtors by letter, email, or telephone call of upcoming or outstanding invoices.

• Negotiate payment plans and settlements with debtors, including fixing terms and conditions.

• Make notifications in client accounts of interactions, such as payments or purchasing activities.

• Reply promptly to client questions and concerns received by voicemail or via written communication.

• Initiate legal action against debtors who evade or refuse repayment according to the terms and conditions.

• Process irreconcilable debts, as in the case of bankruptcy, to be written off and archived.

• Arrange for account statements to be forwarded to clients each month, updating records when necessary.

• Establish and maintain regular communications with clients to facilitate periodic payments.

Knowledge, Skills and Experience:

• Degree in accounting/finance.

• Good knowledge of Financial Accounting.

• SAP and JDE system experience is preferred.

• Maintain supportive relationships with other Finance Department and other functional Departments.

• Always behave in a constructive and professional manner when dealing with internal and external business contacts.

Key Skills:

• Ability to communicate effectively with cross-functional stakeholders.

• Capacity to adapt behavior to cope with changing environment/processes.

• Ability to propose solutions, and reasonable communication and influencing skills.

• Able to work under pressure and multi-task.

• A person who works well with guidance, but is also self-motivated.

• Spoken and written English must be of a high standard.

Additional Comments:

• Effective working relationship with Line Manager, peers and cross-functional departments team across the organization.

• Ability to work in the field with little supervision.

• Self-motivated to conduct tasks assigned and reviews on-time/in full.

• High level of understanding of processes and controls to identify opportunities for improvements.

• Ability to negotiate and manage discussions with senior managers in order to effectively conduct task reviews.

What's In It For You?

• Elective Benefits: Our programs are tailored to your country to best accommodate your lifestyle.
• Grow Your Career: Accelerate your path to success (and keep up with the future) with formal programs on leadership and professional development, and many more on-demand courses.
• Elevate Your Personal Well-Being: Boost your financial, physical, and mental well-being through seminars, events, and our global Life Empowerment Assistance Program.
• Diversity, Equity & Inclusion: It's not just a phrase to us; valuing every voice is how we succeed. Join us in celebrating our global diversity through inclusive education, meaningful peer-to-peer conversations, and equitable growth and development opportunities.
• Make the Most of our Global Organization: Network with other new co-workers within your first 30 days through our onboarding program.
• Connect with Your Community: Participate in internal, peer-led inclusive communities and activities, including business resource groups, local volunteering events, and more environmental and social initiatives.

Don't meet every single requirement? Apply anyway.

At Tec D, a TD SYNNEX Company, we're proud to be recognized as a great place to work and a leader in the promotion and practice of diversity, equity and inclusion. If you're excited about working for our company and believe you're a good fit for this role, we encourage you to apply. You may be exactly the person we're looking for

We are an equal opportunity employer and committed to building a diverse team that represents and empowers a variety of backgrounds, perspectives, and skills. All qualified applicants will receive consideration for employment based on merit, without regard to race, colour, religion, national origin, gender, gender identity or expression, sexual orientation, protected veteran status, disability, genetics, age, or any other characteristic protected by law. To support our diversity and inclusion efforts, we may ask for voluntary gender disclosure information. This data will be used solely to improve our hiring practices and ensure fair treatment for all candidates.