Credit & Treasury Analyst

**Company: SG K.U.S Holdings (S) Pte Ltd**

**Job Field: Finance**

**Country: Singapore**

**Responsibilities**:

- **Credit Risk Assessment**
- Evaluate Customer Credit Risk Profile on potential clients before entering the contracts. Review of both Financial and non-financial factors.
- Assess the creditworthiness of customers and make recommendations for credit approvals or denials in accordance with the policy’s guidelines.
- **Credit Review and Monitoring**
- Set and monitor credit limits for customers, ensuring that they are in line with the policy’s parameters and the customer’s creditworthiness.
- Establish and communicate credit terms and conditions to customers, including payment due dates and any special arrangements, ensuring adherence to the policy.
- Identify high-risk accounts and collaborate with other departments or teams to implement risk mitigation strategies, such as requiring collateral or adjusting credit terms.
- Regularly review customer accounts to track adherence to credit terms and identify early signs of delinquency or non-compliance.
- Monitor credit amounts for compliance with established terms and conditions.
- Conduct an Annual and Regular Credit Customer Review.
- **Dispute Resolution and Debt Recovery**
- Gather documentation for Credit insurance claims processing and ensure claim settlement.
- Develop collections strategies for late payments and delinquent accounts.
- Collaborate with Finance Shared Services debt Collectors and manage customer disputes by maintaining a good customer relationship.
- Collaborate with legal counsel to initiate legal actions against chronically delinquent customers, including filing liens or pursuing litigation.
- Adhere to ethical standards and guidelines outlined in the policy, promoting integrity and professionalism in credit management and control practices.
- **Compliance and Reporting**
- Conduct Monthly Credit Review Meeting with HOCs and key personnel involved to discuss about customers debt outstanding, performance, payment risk and dispute resolution.
- Report delinquent accounts to credit bureaus as specified in the policy and applicable laws and regulations.
- Ensure compliance with IFRS 9 related to ECL and propose Bad debts provision as needed every month
- Ensure that all credit-related activities and decisions are in compliance with the Credit Management and Control Policy as well as relevant laws and regulations.
- Treasury Function
- Handle bank facilities related requests from all SG subsidiaries
- Handle treasury as bank related (BG, opening of bank account)
- Handle adhoc treasury tasks and projects as assigned.
- **Continuous lmprovement**
- Work alang with Group Finance Manager on some AR related process automation
- ldentify areas for improvement in credit management processes and recommend updates or revisions to the Credit Control Policy as needed.
- Escalate significant credit issues or deviations from the policy to Group Management, if applicable.
- Any adhoc duties as assigned

**Job Qualifications**:

- Education Required:

- Minimum Diploma or above in accounting or equivalent
- Experience Required:

- Minimum 3 years’ experience in accounting role specifically related to Credit and Treasury
- The ability to identify and address credit-related issues and provide solutions.
- Familiar with Sage Accpac and SQL is an advantage
- Experience in Construction / Built industry is an advantage
- Competencies and Skills Required:

- Analytical Thinking
- Excellent communication
- Attention to detail.
- Adaptability and teamwork
- Client Relationship Management