Credit Expert- Trade Risk Analysis

Sony UK Technology Centre; Toronto; Hybrid; CAD 80,000 - 110,000; Full time

Job summary

A leading company in electronics seeks a Senior Credit Analyst to manage customer portfolios and assess credit risk. This role involves financial analysis, collaboration with internal departments, and optimizing business processes. Ideal candidates will have a strong background in finance and significant experience in credit analysis.

Benefits

Competitive pay and benefits

Culture of Diversity, Equity, and Inclusion

Innovative work-life balance opportunities

Monthly 'Free Fridays'

Early shutdowns on Fridays throughout the year

Qualifications

• 6-8 years of experience in credit and financial analysis.
• Advanced skills in financial statement analysis.
• Negotiation experience with risk mitigation instruments preferred.

Responsibilities

• Manage a portfolio of customers in the US & Canada.
• Perform comprehensive financial analysis and propose mitigation strategies.
• Collaborate with internal departments for credit decision-making.

Skills

Financial analysis

Credit risk assessment

Analytical skills

Problem-solving

Communication

Attention to detail

Collaboration

Education

Bachelor’s degree in finance, accounting, economics, or related field

Tools

Excel

Credit analysis software

SAP S4 HANA

Power BI

Process Automation

AI

Job description

Sony Electronics Inc. is looking for risk-takers, collaborators, inspired and inspiring individuals. We seek those brave enough to work at the cutting edge and create solutions that will enrich and improve lives globally. Along with competitive pay and benefits, we promote a culture of Diversity, Equity, and Inclusion. Our team members enjoy innovative work-life balance opportunities, including a hybrid home/office environment, monthly “Free Fridays,” and early shutdowns on Fridays throughout the year, including summer half-days.

If you aspire to join a “Best Place to Work” company and make a global impact, let's talk.

Key Responsibilities :

1. Manage a portfolio of customers in the US & Canada, conducting due diligence and assessing creditworthiness to mitigate credit risk.
2. Perform comprehensive financial analysis, identify early warning signs of potential default, and propose mitigation strategies.
3. Manage legal portfolios for all customers in the US & Canada, assist analysts with legal accounts, and coordinate third-party collections.
4. Provide expertise in leasing, inventory financing, collateral, Canadian & US tax, bankruptcy, and preference law.
5. Collaborate with internal departments such as sales, legal, and sales operations to facilitate credit decision-making.
6. Prepare quarterly updates on credit portfolio performance and industry trends.
7. Lead customer collection efforts when escalation is necessary.
8. Manage refunds, tax credits, KYC, and AML compliance requirements.
9. Optimize business processes through automation.
10. Manage third-party credit vendor contracts and payments.

Qualifications :

1. Bachelor’s degree in finance, accounting, economics, or a related field.
2. 6-8 years of experience in credit and financial analysis, with a proven track record in a senior analyst role.
3. Advanced skills in financial statement analysis and credit dynamics evaluation.
4. Negotiation experience with risk mitigation instruments and documentation (preferred).
5. Proficiency in advanced Excel, credit analysis software, and tools (preferred).
6. Strong analytical and problem-solving skills, with the ability to interpret complex financial data.
7. Knowledge of Credit Insurance (preferred).
8. Understanding of Order to Cash processes.
9. Excellent communication skills, both written and verbal.
10. High accuracy and attention to detail.
11. Strong interpersonal and collaboration skills.
12. Knowledge of credit laws, regulations, and best practices (preferred).
13. Experience with SAP S4 HANA, BW, Power BI, Process Automation, and AI (strongly preferred).