Senior / Specialist, Credit Analysis

4 weeks ago

Singapore Borouge Pte. Ltd. Full time

Key Accountabilities

  • Perform credit evaluation for a portfolio of customers across the company, covering Asia North, Asia South and Middle East Africa & Europe.
  • Implement and maintain global credit management framework with adherence to credit management procedure and regulatory requirements.
  • 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 strategies and close collaboration with key stakeholders.
  • Contribute to cross function credit risk management projects to enhance and streamline credit processes.

This position is based in Singapore.

Credit Analysis

  • 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 collaborate with business to take appropriate course of actions 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 approved and updated in the system.

Credit Control

  • Act as a focal point of credit team and engage regional Sales and Customer Service teams to support sales transactions.
  • Review customers' incoming orders to manage the order blocks timely and efficiently.
  • Ensure credit release is in accordance to Credit Management Procedure and Delegation of Authority.
  • Engage key stakeholders to manage the Accounts Receivable through weekly overdue action plan and monthly Regional Credit Watch workshop.
  • 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.
  • Provide timely information to management of any significant delinquency or early warning signs of customer.
  • Negotiate and establish repayment schedule and manage overdue notification/claim with credit insurance company.
  • Coordinate with banks to support requirements on trade financing services.
  • Initiate legal litigation/arbitration (supported by legal department) and work directly with external lawyer to collect overdue receivables.
  • Administer end to end bad debt write off process in accordance with Credit Management Procedure.

About You

  • University degree in Credit Risk Management/Finance/Accounting/Economics/Business or related discipline.
  • Minimum 2 years of credit analysis experience preferably with knowledge of economic and business environment of Asia Pacific countries.
  • Able to analyze financial statements, perform credit evaluations/reviews include providing recommendation with risk mitigation strategies.
  • Proficient in Chinese (must be able to read and understand Chinese financial report).
  • 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.

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