Credit Analyst

Ensures that the company converts revenue to cash by determining appropriate credit levels and collecting accounts receivable. Manages credit and collection processes, ensures compliance with company policy and legal requirements, assures process quality, and provides training and support. Analyzes customer´s financial condition to determine credit limit and risk rating. Maintains on-going relationships with high-value customers and sales organizations. Monitors e- commerce systems and credit card transactions to detect fraud. Ensures payments are collected in a timely manner and resolves issues and disputes that prevent customer payment.

Responsibilities:
Through a full review of the financial statements, being able to credit underwrite an application, taking a credit decision independently.
Uses financial statements to independently determine the financial condition of customers and decides credit limit recommendations for medium monetary value customers.
Owning a Schedule of Authorization for a specific $ amount.
Beyond their own SOA, being able to properly present credit recommendations to the Head of Credit as well as to the Management Risk Committee.
Negotiates the best collaterals with customers and partners to structure and mitigate our credit risk.
Analyzes at-risk customers and partners and recommends account strategies to prevent delinquencies.
May train new team members.

Education and Experience Required:
First level university degree with a focus in business finance or economics.
Typically 3-5 years of experience in credit internally or in banking; or in leasing IT companies.

Knowledge and Skills:
Strong credit underwriting experience taking a credit decision independently.
Personal SOA granted
Solid knowledge of the leasing market (preferred) or banking.
Strong written and verbal communication, negotiation, and conflict resolution skills.
Solid problem solving skills.
Developed prioritization skills.
Solid understanding of risk mitigation tools.
Basic relationship building skills.
Basic influence skills.
Basic leadership skills.