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Job purpose and impact

The CTC Jr. Credit Analyst, performs basic and routine activities to minimize credit risks in support of the organization's financial stability. Under close supervision, this job supports credit reporting, credit research, and account management initiatives in compliance with organizational and regulatory standards.

Key accountabilities

• Customer accounts: Collects and maintains customer accounts, including tracking account status, following up on overdue accounts, and assessing customer portfolio risk.
• Credit analysis: Researches and presents findings on credit trends, profitability, economics and collections activities to business leaders.
• Data management: Maintains accurate and updated records of credit related information, including customer profiles, credit limits and payment terms.
• Credit reporting: Assists in the preparation and distribution of detailed credit research and reports to support account decision making.   
• Collaboration: Collaborates with cross functional teams to resolve routine credit related issues and disputes in a timely and professional manner.
• Risk management: Researches potential sources of loss and helps prepare estimates of potential financial consequences to minimize the company's credit risk.
• Industry expertise: Stays abreast of industry trends, regulatory changes, and emerging best in class industry standards in credit management, helping find opportunities for continuous improvement in processes, risk mitigation and credit operations.
• Handle basic issues and problems under direct supervision, while escalating more complex issues to appropriate staff.
• Other duties as assigned.

#LI-Hybrid - #LI-RC2

Qualifications

Minimum

• Studies in a related field (Finance, administration,economy, accounting etc)
• Excel Intermediate - Advanced
• Knowledge of SAP – JDE
• Intermediate English
• Experience in review, control and release of lines of credit
• Experience in reviewing financial information

Preferred

• Experience around 2 years in similar positions