Commercial Credit Analyst

Job Description

<p>Al Dahra is a leading global agribusiness company, and we are currently seeking a skilled and motivated Commercial Credit Analyst to join our team. The ideal candidate will play a crucial role in assessing and managing credit risks related to our commercial transactions. This is a full-time position requiring 1-2 years of relevant credit analysis experience.</p><p><br></p><p>Main Responsibilities:</p><p><br></p><p>1. Driving Customers Credit Assessment:</p><p>- Provide guidance and training to local finance teams on the credit assessment process.</p><p>- Continuously update and maintain the credit assessment methodology to ensure accuracy and efficiency.</p><p>- Consolidate and analyze assessment results from various sources to create comprehensive credit scorecards.</p><p>- Verify and validate customer setups, credit limits, payment terms, and security requirements in the system.</p><p><br></p><p>2. Performing Order Management in the System:</p><p>- Monitor credit events and their impact on customers’ credit standings.</p><p>- Advise the business on the credit status of counterparties and the progress of orders.</p><p>- Participate in order release and approve extended payment terms and credit limits as needed.</p><p><br></p><p>3. Weekly/Monthly Reporting:</p><p>- Generate timely and insightful reports on customers’ ageing, exposure, and collection performance.</p><p>- Conduct thorough portfolio quality analysis and provide individual performance statistics to management.</p><p>- Present actionable recommendations based on credit risk assessment outcomes.</p><p><br></p><p>4. Participation in Projects:</p><p>- Collaborate with teams to onboard and implement credit rating providers.</p><p>- Assist in defining rules for credit risk analysis within the ERP system.</p><p>- Manage the onboarding and maintenance of AR Insurance contracts.</p><p><br></p><p>Required Qualifications:</p><p><br></p><p>1. Experience:</p><p>- 1-2 years of relevant credit analysis experience.</p><p>- Previous experience in creating and utilizing credit scoring models.</p><p>- Familiarity with sources of risk rating consolidation.</p><p>- Experience with D&amp;B, LexisNexis, Moody’s, or S&amp;P reports and solutions is a plus.</p><p><br></p><p>3. Preferred Knowledge:</p><p>- Familiarity with ERP systems, such as SAP, Sage, or Axapta, would be advantageous.</p><p> Must-Have Knowledge:</p><p>- Strong understanding of financial statement analysis and credit analysis concepts.</p><p>- Proficiency in scoring methodologies and risk assessment techniques.</p><p><br></p><p>5. Must Have Skills:</p><p>- Exceptional analytical abilities and structured thinking.</p><p>- Strong attention to detail and accuracy in work.</p><p> Desirable Skills:</p><p>- Proficiency in Power BI and SQL would be beneficial.</p><p>- Familiarity with Chat GPT or similar AI language models is a plus.</p><p><br></p><p>7. Language Skills:</p><p>- Proficient in English (verbal and written).</p><p><br></p><p>If you are an analytical thinker with a passion for credit analysis and risk management and if you possess the required skills and qualifications, we invite you to apply for this exciting opportunity with Al Dahra. Join our dynamic team and contribute to our mission of sustainable agricultural solutions worldwide.</p>