Credit Specialist 50 views

KEY AREAS OF RESPONSIBILITIES

• Gathers and analyzes Customers financial data to evaluate risk.
• Assesses creditworthiness of companies and institutions.
• Collaborate and makes recommendations about whether to increase, adjust, extend, or close lines of credit.
• Undertakes risk analysis using regional, sector-specific, environmental, and other financial data.
• Prepares and presents credit reports.
• Completes quality assurance reviews.
• Gauges market trends.
• Monitors and adheres to collateral compliance covenants.
• Analyzes data to verify information and uncover fraud.
• Oversees or undertakes document preparation.

JOB OVERVIEW

• Evaluate business purpose credit requests utilizing applicable Credit Risk Policies and Guidelines.
• Analyze business/entity financial statements, business credit reports, and other relevant Information to calculate cash flow and balance sheet ratios.
• Utilize the ratios and evaluate other qualitative factors to determine a client’s risk of default.
• Ability to create presentations / recommendations for Credit limit set up / approval
• Initiate discussions at various levels of the business to mitigate the credit decisioning
• Monitoring the activity of the customers in the ERP and perform Credit reviews on a regular frequency and on need basis.
• Experience in handling SAP & Salesforce.
• Ability to interpret DNBI / Other related credit portals
• Should possess good communication skills
• Experience in handling credit process for health industry will be an added advantage

REQUIRED COMPETENCES

Experience 3-5 years in Credit Management and collection OTC.

• • Guarding Business integrity
• • Managing Controls
• • Financial Accounting & Reporting
• • Influencing Business Decisions
• • Driving Business Value & Performance
• • Process Improvement
• • Negotiation

In return, we offer you

• A challenging, innovative environment with great opportunities to explore. Our benefits are very competitive and designed around your preferences:
• A rewarding career in Philips with attractive package. `
• A variable bonus based on both Philips results and personal performance
• Extensive set of tools to drive your career, such as a personal development budget, free training and coaching
• Attractive collective health insurance package
• Opportunity to buy Philips shares and products with discount