Credit Analyst

Finance- SINGAPORE-FRASERS TWR(SGP)- SingaporeCredit Assessment and Collections
- Perform credit assessment of new/existing counterparties.
- Assist the Risk Manager to prepare credit approval memo to senior management which includes credit and paper limits.
- Faciliate the onboarding/KYC due diligence of counterparties including account creation and limits update in SAP and trading IT system.
- Work with Back Office to follow up on past dues, liaise with external credit agencies and able to discern credit reports.
- Administer insolvent customers by liaising with internal and external Legal advisors and liquidators.
- Obtain credit limits for banks from Company Treasury on a yearly basis.

Credit insurance/Sale of AR
- Involve in annual credit insurance renewal and related negotiations.
- Work closely with the credit insurer and broker with regard to premium rate, insurance cover, T&Cs, sales declarations etc.
- Prepare and send offer letter and list of customers under the sale of receivable scheme to the bank on a quarterly basis.
- Maintain the profile of customer under sale of receivable scheme in SAP system.

Legal/Trade securities
- Prepare and review trade securities like parent/bank guarantees, standby LC and ensure timely renewal before expiry date.
- Prepare LC documentation and present it to the bank.
- Involve in legal review of NDA/PCG/GTC/setoff agreements and other legal documents together with Legal Counsels.

Reporting and Monitoring
- Daily validation of credit excess and seek the appropriate approval in a timely manner.
- Prepare Risk report and FX/Swaps/Futures report on a monthly basis.
- Prepare weekly trading and position limits report and verify with relevant delegation of authority that prior approval has been granted for new deals.
- Respond to traders’ day-to-day enquiries and work closely with Operations, Back Office, Finance and Legal.

Others
- Participate in quarterly Credit Committee and write minutes of meeting.
- Counterparty management duties (modification / blocking) in SAP and trading IT system.
- Report anomalies, near misses, share best practices and provide feedback on HSE findings and any other ad-hoc duties assigned.

**Context and environment**
- TotalEnergies Marine Fuels is TotalEnergies’ dedicated business unit in charge of worldwide bunkering activities and is the single point of contact for a full spectrum of solutions with innovative and efficient bunkering services. TotalEnergies Marine Fuels is also committed to providing clean marine fuels, such as LNG, to drive the decarbonisation of the marine industry in line with TotalEnergies’ ambition of Net Zero by 2050.
- Multi-Cultural Team and Environment
- Degree in Business, Finance, Accountancy or equivalent professional qualifications.
- 2 years’ experience and preferably from trading/energy sector. Fresh graduates with right attitude may be considered.
- Possess initiative and positive/can-do attitude. Meticulous and eye for details are essential.
- Ability to adapt to diverse cultures and possess an international mindset.
- Strong business acumen, analytical and able to stand his/her ground firmly and confidently during adversities.
- Able to multi-task and meet tight deadlines under time pressure.
- Logical report writing skills and proficient in Excel, Word, Powerpoint, SAP, trading IT systems, etc.

**Offer ID**
- 57940BR**Metier**
- General Finance Responsibility, Financial Middle / Back Office**Region, department, area**
- Singapore**Employment type**
- Regular position**Experience level required**
- Less than 3 years**Employer company**
- TotalEnergies Marine Fuels Pte Ltd**Branch**
- Marketing & Services**About us / company profile**

Give your best to better energy and make the commitment with Total. With over 500-plus professions in 130 countries, we offer high safety and environmental standards, strong ethical values, an innovation culture and wide-ranging career development. Be part of the global team whose mission is already shared by 100,000 employees: to make energy better each and every day.