Credit Risk Specialist

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Dole is one of the world's largest producers and marketers of high-quality fresh fruits, with a growing line of quality packaged and frozen foods. Dole's dedication to quality is a commitment solidly backed by: comprehensive programs for food safety, scientific crop protection programs, stringent quality control measures, state-of-the-art production and transportation technologies, continuous improvement through research and innovation, and dedication to the safety of their employees, communities and the environment.

Job Purpose

The
Credit Risk Specialist
supports the Credit Risk Management team in preparing and reviewing customer credit applications, monitoring compliance with approved credit limits, and generating reports to support business decision-making. Operating in a Shared Services/GBS environment, the role ensures accurate execution of credit risk processes in compliance with the Worldwide Credit Risk Management Policy.

This role is staff-level, reporting directly to the Process Manager for Credit Risk Management, and is responsible for day-to-day execution of credit assessments, overdue monitoring, and preparation of credit risk reports using SAP HANA and SAP Fiori.

Principal Duties and Responsibilities

Credit Application Processing

1. Prepare and review customer credit applications for completeness and accuracy.
2. Analyze financial statements, payment history, and external credit data to assess customer risk profile.
3. Generate financial ratios and risk indicators using SAP and other tools to support credit decision-making.
4. Record approved credit limits, expiry dates, and conditions in SAP HANA/Fiori and tracking tools.
5. Ensure timely submission of applications for review and escalation to the Process Manager when needed.

Credit Monitoring & Compliance

1. Monitor compliance with approved credit limits and follow up on renewals prior to expiry.
2. Support overdue and bad debt monitoring by coordinating with AR and Collections teams.
3. Track customer exposures and highlight potential risks to the Process Manager.
4. Maintain portfolio discipline by ensuring alignment with KPIs such as DSO and bad debt ratio.

Reporting & Documentation

1. Prepare and update regular credit risk reports (quarterly portfolio reports, customer risk profiles, overdue accounts).
2. Maintain accurate and complete credit files for audit and compliance purposes.
3. Provide data and analysis to support management reporting, business reviews, and ad hoc requests.
4. Support internal and external audit requirements by preparing and submitting relevant documentation.

Stakeholder & Customer Support

1. Coordinate with Sales and Business Units on customer credit requirements and overdue follow-ups.
2. Provide updates to internal stakeholders on the status of credit applications and renewals.
3. Support external customer interactions related to documentation or clarifications on credit requirements.

Process Improvement & Business Continuity

1. Identify opportunities for efficiency improvements in credit application and reporting processes.
2. Support the execution of business continuity plans in case of operational disruptions.
3. Share feedback with the Process Manager on recurring issues and potential solutions.

Experience and Qualifications Required

Education

• Bachelor's degree in Accounting, Finance, or Business Management.
• Certified Public Accountant (CPA) preferred; MBA is an advantage.

Work Experience

• Minimum 2–4 years of experience in credit risk management, financial risk, or related fields.
• Experience in Shared Services/GBS or multinational companies preferred.
• Familiarity with credit policy compliance, SLA/KPI reporting, and financial statement analysis.

Technical Skills

• Proficient in SAP HANA and SAP Fiori (FI, SD, CO, A/R, Master Data functions).
• Strong MS Office skills, particularly Excel (pivot tables, financial analysis), Word, PowerPoint, and Outlook.
• Knowledge of Order-to-Cash processes, specifically in credit risk management and accounts receivable.

Business Skills

• Strong financial acumen, able to interpret Income Statements, Balance Sheets, and Cash Flows.
• Detail-oriented with high accuracy in preparing credit applications and reports.
• Strong communication skills, able to summarize and present findings clearly.
• Ability to work under pressure and manage tight deadlines in a fast-paced GBS environment.

Other Requirements

• Willing to be based in Davao City.
• Willing to work on mid-shift or graveyard shift schedule to align with global operations.