Credit Analyst
7 days ago
Job Requirements:
- Candidate must possess at least a Bachelor's/College Degree in Finance/Accountancy/Banking or equivalent.
- At least 2-3 years of working experience in credit and billing related roles.
- Experience in banking/financial institution will be an advantage.
- Knowledgeable in credit assessment/review and risk evaluation with understanding how to read P&L, financial ratios, and Balance Sheet.
- Must have good analytical skills.
- Keen to details in gathering information or data about the customer/client.
- Knowledgeable with Microsoft Office tools.
- Good communication skills (both oral and written).
- Familiarity with system tools (SAP, Salesforce, etc.) will be an advantage.
- Must be willing to work on Saturdays and Holidays.
Job Descriptions:
- Evaluate all required documents submitted by aspiring on-credit clients.
- Conduct bank credit investigations.
- Conduct ocular visits with the client's declared properties and offices.
- Create a Customer Visit Report for the completion of customer profile.
- Submit recommendation record of customer account profile to CFO and/or President for approval.
- Create customer profile for approved credit terms through Salesforce application and SAP.
- Review payment history and financial data of an account to determine if it can be granted credit.
- Update account information, credit limit, and profile through Salesforce application and SAP.
- Review credit history of an account.
- Propose increase, decrease, or removal of credit limit of Unioil existing customers.
- Coordinate with Collection Associate/Officer/Team Lead and Territory Managers regarding information and details update of customers.
- Keep an updated copy of Customer Masterfile which must be readily available at any given time.
- Review submitted documents from customers such as expiration of Letter of Credit (LC), PEZA certification for zero-rated customers, etc.
- Review and verify details of LC.
- Monitor due dates of LC and send notice of renewal to customers.
- Propose credit limit for approved prepaid customers.
- Generate weekly credit reports (AR Balance) and send to concerned accounts for status update.
- Consolidate credit status per invoice for bi-monthly reporting.
- Prepare other related credit management reports.
- Arrange meetings/schedules for Credit Committee/CMR review.
- Timely computation of sales incentives.
- Monthly preparation and monitoring of C & C associates scorecards.
- Other duties as may be assigned.
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