Credit Analyst

Há 7 dias

Porto, Portugal HAYS Tempo inteiro

We are currently recruiting for a Shared Service Center expanding its team. The Credit Analyst has primary responsibility for customer risk assessment and marginal risk mitigation to minimize bad debt expense and maximize sales.

**Responsibilities**:

- Assesses customer credit condition based on past 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.
- Collaborate with sales and customers to mitigate marginal risk situations and escalates to Manager when appropriate.
- Timing of risk assessments are within established service agreements.
- Address customer orders held systematically for over limit and aging conditions with appropriate 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.
- 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.

**What you'll need to succeed**:

- College Degree in Business, Finance, or Accounting (preferred but not exclusive)
- Ability to work independently
- Trouble shooting skills
- Negotiation skills
- +1 year of commensurate commercial credit experience
- Written & verbal communication skills (Fluent English)

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