Sr Credit Specialist

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.


The EIMEA Credit Analyst I reports to the EIMEA Credit & Collections Manager 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 EMEA A/R as assigned by the Manager.

PRIMARY DUTIES


Amongst our high performance shared service-center for the EIMEA Region, the credit department upholds our values of focus on customers and innovation, with an extraordinary global thinking.

The EIMEA Credit Analyst will be responsible for several tasks, including:

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 support to Treasury, 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 RESPONSIBILITY


The Credit Analyst I has up to EUR credit limit approval authority and up to 10% flex for exceptional exposure above approved limits that exceed EUR (no flex for marginal risks).

This limit and exceptional approval authority is delegated by the EIMEA Credit Manager based on experience and performance. The Credit Analyst I A/R portfolio is up to 18 million EUR

Minimum Requirements

  • College Degree in Business, Finance, or Accounting
  • 3 year of commensurate commercial credit experience
  • Demonstrated written & verbal communication skills (English)
  • Demonstrated negotiation skills
  • Ability to travel occasionally (12 trips per year).

PREFERRED QUALIFICATIONS

  • SAP A/R System experience
  • JD Edwards A/R System experience
  • Demonstrated written & verbal communication skills in additional language: German, Italian or French
  • Credit Certification (Certified International Credit Professional, Registered Global Credit Professional or equivalent)
  • Accounting certification or commensurate experience

PHYSICAL ENVIRONMENT

  • Mindelo, Vila do Conde (Hybrid)

Ability to commute/relocate:

  • Porto, Distrito do Porto: Reliably commute or planning to relocate before starting work (required)

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