Credit Performance Analyst-(Generic)

About the Company

Our client in the Financial Industry is looking to hire qualified candidates to fill the position of Credit Performance Analyst-(Generic).

Job Responsibilities

Customer Relations

•  Review system for prompt suspension and blocking of defaulting credit customers.
•  Provide monthly credit portfolio performance report including outstanding receivables on monthly basis.
•  Credit limit review to determine net amount of upward and downward review of limits granted to credit customers within the review period.
• Generation of detailed report on top 20 credit customers/balances per product.

Enterprise Solutions

• Generation of a detailed report on top 20 credit customers/balances per product.
• Credit limit review to determine net amount of upward and downward review of limits to be granted to credit customers.
• Review systems for prompt suspension and blocking of defaulting credit customers.
•  Provide daily exception report including excess utilization over the limit, unpaid credit, and aging report.

Sales & Distribution

• Regular follow up on credit Trade Partner transactions to ensure compliance with credit terms
• Initiate the suspension of defaulting accounts
• Regular follow up on credit Trade Partner transactions to ensure compliance with credit terms
• Track contribution of credit sales to total sales of Trade partners on monthly basis and generate a trend analysis.
• Conduct in-depth financial analysis of trade partners to determine credit worthiness.
• Conduct daily credit order payment monitoring to identify past due obligations/defaults.
• Generate and evaluate Trade Partner credit status, credit utilization and credit sales
• Monitoring Trade Partners’ Bank Guarantee to ensure they are current and created appropriately on the system.
• Initiate the suspension of defaulting accounts
• Identification of Trade Partners qualified for unsecured credit based on agreed parameters.
• Maintain record of all defaults, targets, sales achievement and credit utilization by Trade Partners
• Conduct in-depth analysis aimed at determining stock in channels which will include reconciliation of Trade Partners sales to card load.
• Periodically provide reports categorizing Trade Partners based on level of performance.

Qualifications

• First degree - or equivalent in Accountancy, Economics, Business Administration or related fields
• Fluent in English 

Requirements

• 3 years’ experience in an area of specialisation; with experience working with others
• Experience working in a medium  organization
• Experience in lending, loan performance review, audit, risk and/or compliance or consulting