Royal Dutch Shell

Senior Credit Analyst

Royal Dutch Shell
Full Time
Junior (less than 3 years)
Non-specified
English

Job Description

Senior Credit Analyst

To support HK and South China core business, namely Retail, Bitumen

and Lubricant, in managing risk assessment of customers and

establishment of credit limits, the analysis of the overall credit exposure &

for the recommendation of terms of credit. The negotiation and

management of security necessary to support higher risk exposures, debt

recovery portfolio, and accounts receivable bad debt provision. Approval

of credit limits, risk categories, and release of blocked orders. Actively

support the sales account holders in credit issues. Manages credit

litigation and special collection efforts and strategy. Provide support to the

regional/cluster/country Credit Manager as required.

 

Manage Credit Risk

Lead a team of professional credit analysts and ensure staff are

appropriately trained and developed and are fully aware of their

responsibilities and accountabilities. Responsible for the efficient and

effective management of credit risk within the defined area of

responsibility in line with OCC directives. Responsible for the risk

assessment of customers, negotiating and managing security

arrangements, establishment of appropriate credit limits with necessary

MOA and the analysis of the overall credit exposure & the re-assessment

of credit-worthiness of customers based on re-evaluation triggers and

timelines. Liaise with business units to appropriately balance and optimize

portfolio risk ensuring adequate use of risk mitigating collateral as

appropriate, regularly meeting with business units to review portfolio risk,

ensuring credit analysis representation and participation on each business

unit credit committee. Coordinate off-shored credit analysis functions to

insure compliance with local standards. Provide authorized approval for

the release of blocked orders in respect of credit.

Accounts Receivable

Negotiate & approve refinancing of Overdue Debts. Regularly reassess

customers to determine provisions for recovery, in relevant timeframe.

Directly administers or ensures delegation of 3rd party contract

arrangements where applicable, e.g. credit data providers.



Debt Recovery

Responsible for identifying when accounts may require legal intervention

e.g. If customer files for bankruptcy. Manages interaction with both

internal /and external legal and collections agencies and is responsible for

management of bad debt provision.


Technical Skills

  • Accounts Receivable
  • Credit Analysis
  • Credit Risk