Credit Analyst

1 semana atrás

Porto, Porto, Portugal H.B. Fuller Tempo inteiro
H.B.

Fuller is a leading global adhesives provider focusing on perfecting adhesives, sealants and other specialty chemicals across all industries throughout the world.

While our products are virtually invisible, they play a vital role in ensuring the quality of modern life and we are committed to connecting what matters to solve some of the world's biggest adhesion challenges.


We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions.

If you think the open position you see is right for you, we encourage you to apply

  • Our people make all the difference in our success._


The Credit Analyst reports to the North American Credit & Collections Team Leader and has primary responsibility for customer risk assessment and marginal risk mitigation to minimize bad debt expense and maximize sales.

This position also supports monthly reporting and accounting for NA A/R as assigned by the Manager.

PRIMARY DUTIES

Customer risk assessment and mitigation (40%)

  • Assesses customer credit condition based on HBF experience, sales input, agency reports, and financial/bank status.
  • Assigns risk ratings and establishes credit limits within authority level or recommends limits that exceed authority.
  • Collaborates with sales and customers to mitigate marginal risk situations and escalates to Manager when appropriate.
  • Timing of risk assessments are within established service agreements.

Order holds for over limit and aging conditions (25%)

  • Address customer orders held systematically for over limit and aging conditions with appropriate HBF resource Manager, Customer Service, Sales, or Customer based on the issues and scope of the exposure.
  • Updates credit risk assessment and recommends changes in credit limits in response to changes in sales volumes.
  • Works promptly and closely with Sales and Customer Service to avoid unnecessary delays for customer orders.

Escalation of Collection Issues (20%)

  • Determines appropriate next steps for collection action after C&C reps have executed routing follow up without success.
  • Collaborates with Sales Managers to determine best approach with customers for delinquency issues and future orders.
  • Recommends options and/or escalates delinquency issues to Manager for complex issues (payment agreements, placements).
  • Respond to customer insolvency situations to minimize bad debt expense—submit documents to agencies/courts as required.

Support for reporting and transaction processing as assigned by Manager (15%)

  • Execute queries and assemble established reports for department management reporting or audit processes.
  • Respond to audit inquiries and provide support for controls, reports, or transactions as needed.
  • Provide back up support for A/R Team Leader if needed.
  • Collaborate with the company's Management team to fulfill the Integrated Management System, complying with the principles established on H.B. Fuller's Internal Policies, as well as all established Procedures and Work Instructions.

BUDGETARY/FINANCIAL ACCOUNTABILITY


The Credit Analyst has up to USD credit limit approval authority and up to 10% flex for exceptional exposure above approved limits that exceed USD (except for marginal risks).

This limit and exceptional approval authority is delegated by the NA Credit Manager based on experience and performance. The Credit Analyst A/R portfolio is ~10 million USD with yearly sales of ~45 million USD.

MINIMUM REQUIREMENTS

  • College Degree in Business, Finance, or Accounting (preferred but not exclusive).
  • Ability to work independently with good troubleshooting and negotiation skills.
  • 1 year of commensurate commercial credit experience.
  • Written & verbal communication skills (English).
  • Ability to travel occasionally (12 trips per year) for customer visits.
  • Intermediate Microsoft office skills (specifically excel).
  • Experienced in SAP system is an added advantage.
  • Credit Certification (Certified International Credit Professional or equivalent).
  • At H.B. Fuller, we are proud to be an Equal Opportunity Employer and are committed to providing all applicants and employees with equal employment opportunity. We subscribe to the Office of Federal Contract Compliance Programs (OFCCP) policy of employing and promoting individuals based on their merits, regardless of race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity or expression, marital status, citizenship status, or any other protected classification._

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