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.
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.
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.
- Accounts Receivable
- Credit Analysis
- Credit Risk