Credit Analyst Trainee

**Come create the technology that helps the world act together**

Nokia is committed to innovation and technology leadership across mobile, fixed and cloud networks. Your career here will have a positive impact on people’s lives and will help us build the capabilities needed for a more productive, sustainable, and inclusive world.

We challenge ourselves to create an inclusive way of working where we are open to new ideas, empowered to take risks and fearless to bring our authentic selves to work.

**The team you'll be part of**

**What you will learn and contribute to**

**Main Responsibility Area**

The purpose of the job is to monitor the creditworthiness of Nokia customers. This is done by making credit risk analyses resulting in credit risk ratings on Nokia’s customers. The related data are used in internal decision making and are needed for customer specific balance sheet usage cost calculations and credit limit decisions to be made in accordance with the internal Limits of Authority (LoA) process. Customer analyst co-operates closely with customer teams, Regional Treasury & Structured Finance as well as other related internal contributors and decision makers e.g. by providing credit risk analyses on the clients where Nokia has Deferred Payment Agreements or Loan Agreements, and acting as a back-up to the supplier analyst. Management of customers Credit Limits is the second main task where analyst should estimate and close monitoring applied Credit Limits.

**Position Description**
- Completion of Customer Credit Checks and rating proposals
- Informing Regional Business Controllers (RBCs) of the proposed and approved ratings
- Follow-up of ratings which are close to expiry date and reminding CBCs accordingly
- Update of rating methodologies and guidelines when appropriate in co-operation with other analysts and Head of Customer and Supplier Analyses
- Development of rating tools in co-operation with other analysts and Head of Customer and Supplier Analyses, when appropriate
- Arrangement of training sessions for RBCs and other involved parties
- Estimate needed Credit Limits for Nokia customers
- Calculate new and monitoring existing Credit Limits

**Your skills and experience**

Preferred capabilities of the applicant are
- Fluency in both written and spoken English is a must, good command of other languages (preferably French, Chinese, Portuguese, Spanish, Russian) is an advantage
- Strong communication, team working skills, interpersonal skills, problem solving, sharing and seeking knowledge
- Knowledge of the Financial Statements and Financial Ratios in order to be able to make analysis of those
- Ability to create calculation models using MS Excel
- SAP knowledge

**What we offer**

Nokia offers flexible and hybrid working schemes, continuous learning opportunities, well-being programs to support you mentally and physically, opportunities to join and get supported by employee resource groups, mentoring programs and highly diverse teams with an inclusive culture where people thrive and are empowered.

**Nokia is committed to inclusion and is an equal opportunity employer**

Nokia has received the following recognitions for its commitment to inclusion & equality:

- One of the World’s Most Ethical Companies by Ethisphere
- Gender-Equality Index by Bloomberg
- Workplace Pride Global Benchmark
- LGBT+ equality & best place to work by HRC Foundation

At Nokia, we act inclusively and respect the uniqueness of people.

Nokia’s employment decisions are made regardless of race, color, national or ethnic origin, religion, gender, sexual orientation, gender identity or expression, age, marital status, disability, protected veteran status or other characteristics protected by law.
We are committed to a culture of inclusion built upon our core value of respect.

Join us and be part of a company where you will feel included and empowered to succeed.