Kredi Analisti

Shell & Turcas Petrol A.Ş

QUALIFICATIONS AND JOB DESCRIPTION

Qualifications 

• Minimum 5 years relevant credit or financial experience demonstrating strong financial analysis skills
• Strong diplomatic negotiating skills with ability to make tough decisions and implement action steps to resolve credit issues while maintaining customer relationships.
• Strong aptitude for managing processes and driving towards best-in-class process performance.

Professional Experience

This role requires the ability to work under tight time pressure whilst still maintaining high standards of work. He/She should posses strong commercial acumen to be able to support the sales organisation in credit matters. He/She must be credible and be able to negotiate with customers and their professional advisors face to face at the highest level within their organisation whilst valuing the customer relationship wherever possible. Minimum 5 years experience in credit management or other relevant financial experience with specific focus in credit and balance sheet&income statement analysis

İŞ TANIMI

Responsible for the management of risk assessment of customers and establishment of credit limits, the analysis of the overall credit exposure & for the recommendation of terms of credit. The negotiation and management of security necessary to support higher risk exposures, debt recovery portfolio, and accounts receivable bad debt provision.  Approval of credit limits, risk categories, and release of blocked orders. Actively support the sales account holders in credit issues including regular customer visits.  Manages credit litigation and special collection efforts and strategy. Provide support to the Country Credit Manager as required.

Manage Credit Risk 
Responsible for the efficient and effective management of credit risk within the defined area of responsibility in line with Operational Credit Manual directives. Liaise with business units to appropriately balance and optimize portfolio risk ensuring adequate use of risk mitigating collateral as appropriate, regularly meeting with business units to review portfolio risk, ensuring credit analysis representation and participation on each business unit credit committee if necessary. Provide authorised approval for the release of blocked orders in respect of credit.

Accounts Receivable
Negotiate & approve refinancing of Overdue Debts. Regularly reassess customers to determine provisions for recovery, in relevant timeframe. Directly administers or ensures delegation of 3rd party contract arrangements where applicable.
  
Support for Sales
Provide interpretation of policy and guide the businesses on the principles of sound credit management.  Keep up-to-date on issues within the businesses by  having close relationships with the sales managers and reading information from industry sources.  Conduct customer visits as required. Meet with owners/officers of major customers as necessary to represent business in negotiating higher risk/exposure credit facilities.