Credit Analyst (Midshift/Night Shift)

Develops credit scores, sets credit limits, and establishes payment terms and related policies and procedures. Supports medium sized clients/customers and makes significant contributions to more complex projects under periodic supervision. Handles a portfolio of customer accounts with key activities as follows: Monitors and reviews credit limits of new and existing counterparties; involving in-depth analysis of counterparty's financial standing, industry review, business outlook, risks and opportunities; Prepares credit assessment and administer the approval process for credit limits and terms; Applies credit risk mitigation strategy including obtaining acceptable forms of securities from counterparty; Updates and maintain the credit limits and data in system; Provides advisory function on documentary credit, bank guarantees and standby letter of credit; Provides advisory function on credit issues in the contract and credit structures such as collateral and mitigation strategy and trade finance tools; Monitors payment performance and follow up of overdue amounts; Reviews, assesses and administers approval process for orders blocked due to credit violations; Contributes towards developing and implementing credit risk management processes; Active participation on improving credit risk management policies to meet industry best practices; Actively implement & comply with the Credit Policy; Ensure the trading and marketing business activities of Downstream business is conducted according to the Credit Policy Identifies, measures and control credit risk mitigation activities in Downstream business; Active participation in the development of information systems to accurately capture credit exposures; Prepares credit management reports; and Maintains and develops relationships with relevant stakeholders Minimum 5 years of financial experience; prior exposure to audit function &/or credit risk management would be preferable Proficient in MS Office and SAP system Fluency in English Good Analytical skills (quantitative and qualitative analysis) Ability to work systematically, prioritize tasks and adhere to deadlines Ability to balance risks and business requirements Ability to adapt to varying work situations and is flexible in the approach to resolving challenges Works with minimal supervision and shows Initiative Ability to communicate at all levels of management