Credit & Treasury Analyst

Confidential; Sharjah; On-site; AED 120,000 - 180,000; Full time

Job summary

Confidential seeks a Finance professional to analyze customer and company financials, assess credit, and monitor liquidity and collections. You will prepare credit recommendations and support treasury forecasts while coordinating with banks and internal teams.

Requirements include a Bachelor’s degree and 3–4 years in credit control, treasury, or financial analysis, with strong Excel skills and familiarity with Salesforce/ERP advantageous.

Qualifications

• Bachelor’s degree in Finance, Accounting, or 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.

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.

Skills

Credit control

Treasury

Accounts receivable

Financial analysis

Excel

Salesforce

ERP

Education

Bachelor’s degree in Finance, Accounting, or related field

Tools

Salesforce

ERP

Excel

Job description

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.