새로운 것을 포용하십시오.
새로운 가능성을 만드십시오.

Job Purpose and Impact

Key Accountabilities

• Conduct comprehensive financial statement analysis of counterparties, including cash flow forecasting, to deliver high-quality and objective credit assessments, assign internal credit ratings, and provide well-supported recommendations on credit limits and risk exposure.
• Develop deep industry and market knowledge to effectively evaluate counterparties across multiple sectors and geographic regions.
• Monitor counterparties and assess the potential impact of market, economic, and industry developments on individual exposures and portfolio performance.
• Partner with Origination teams to support robust due diligence processes, evaluate business opportunities, and respond to credit-related inquiries from internal stakeholders.
• Collaborate with Structuring teams to gain a strong understanding of trade finance and capital market products, provide independent risk assessments, and recommend effective risk mitigation strategies.
• Maintain close coordination with Transaction Management teams to ensure the accurate implementation of approved risk mitigants and timely reporting of exposures within authorized limits.
• Contribute to ad hoc projects and actively identify opportunities to enhance existing credit processes, methodologies, and operational efficiencies.
• Independently manage complex credit and accounts receivable matters with minimal supervision, escalating only highly complex or sensitive issues when appropriate.
• Oversee and follow up on collections, disputes, collateral management, past-due accounts, over-limit exposures, and deteriorating credit situations while ensuring adherence to established credit policies and procedures.
• Support Senior Credit Analysts in developing and executing action plans related to order holds/releases, dispute resolution.
• Approve credit limits within delegated authority levels and provide recommendations on higher-value exposures requiring senior management review and approval.
• Collaborate with senior leadership and business unit stakeholders to identify root causes of credit exposure, accounts receivable challenges, and operational discrepancies, while proposing sustainable corrective actions.
• Lead discussions with business stakeholders to implement appropriate risk mitigation actions and monitor their effectiveness.
• Communicate credit-related matters effectively and proactively with internal and external stakeholders, ensuring timely resolution of issues and alignment on risk management objectives.
• Engage with commercial teams, business unit management, and customers within the assigned portfolio to support sound credit decision-making and relationship management.
• Prepare, analyze, and maintain management reports on account performance, credit exposures, portfolio trends, and key risk metrics, while ensuring compliance with audit requirements, regulatory standards, and internal control frameworks.

Qualifications

• Minimum requirement of 8 years of relevant work experience.
• Master's degree in Finance or related field.
• Exposure to Power BI reporting and VBA tools is preferred to support data analysis, reporting, and process improvement initiatives.
• Strong proficiency in Microsoft Excel and MS Office is required.