Key Responsibilities
- Analyze customers’ and companies’ financial statements, creditworthiness, payment history, and financial position.
- Prepare credit assessments and recommendations for credit limits and financing facilities.
- Monitor credit exposure, outstanding balances, overdue accounts, and collection performance.
- Maintain up-to-date information regarding banks, financial institutions, customers, and relevant companies, and communicate important updates to branches and management.
- Review and regularly evaluate procedures related to sales, credit, and financing activities to ensure they remain updated and effective.
- Monitor daily cash positions, cash flows, liquidity requirements, and funding needs.
- Assist in preparing cash-flow forecasts and treasury reports.
- Coordinate with banks regarding credit facilities, loans, guarantees, letters of credit, account balances, and other banking transactions.
- Monitor financing costs, interest rates, facility utilization, and repayment schedules.
- Support renewals of banking and credit facilities by preparing required financial information and analysis.
- Ensure compliance with internal credit policies, treasury procedures, approval limits, and financial controls.
- Identify credit, liquidity, and financial risks and report significant issues to management.
- Prepare periodic credit and treasury reports, including credit exposure, aging analysis, cash position, financing utilization, and key financial indicators.
- Maintain accurate records and supporting documentation for credit and treasury transactions.
- Coordinate with Finance, Sales, Accounting, branches, and other departments to ensure effective credit control and treasury management.
- Support management with financial analysis and recommendations to improve cash management, reduce financial risk, and optimize working capital.
Qualifications & Experiences
- Bachelor’s degree in Finance, Accounting, or any related field.
- 3-4 years of relevant experience in credit control, treasury, accounts receivables, or financial analysis.
- Good understanding of credit management, cash flow, and banking processes.
- Strong Excel and financial reporting skills.
- Good analytical and numerical skills.
- Strong attention to detail and follow-up skills.
- Good communication skills.
- Experience with Salesforce and ERP is an advantage.
