Credit Analyst

Vinmar International; Naucalpan de Juárez; Presencial; MXN 300,000 - 450,000; Jornada completa

Descripción de la vacante

A global trading company in Naucalpan de Juárez seeks a Credit and Collections Analyst. You will play a vital role in financial analysis, credit risk assessment, and collections management, ensuring strong customer relationships and informed credit practices. The ideal candidate has a Bachelor's degree, 1–5 years of relevant experience, and strong analytical and communication skills. Proficiency in Microsoft Office and fluency in English are required.

Formación

• 1–5 years of experience in credit risk, collections, or finance-related role.
• Experience in commodities is a plus.
• Prior experience with trade credit insurance providers is advantageous.
• Strong analytical, communication, and problem-solving skills are essential.
• Fluency in English, both written and spoken, is required.

Responsabilidades

• Analyze financial statements for credit limit decisions.
• Maintain credit files and documentation for trade credit insurance.
• Collect and review supporting documents for credit evaluations.
• Conduct credit risk assessments, including credit report reviews.
• Investigate past-due accounts and collaborate with teams.
• Support order release processes balancing risk and customer service.
• Generate accounts receivable reports and manage key management reports.
• Administer trade credit insurance processes and compliance.
• Build strong relationships with teams and external partners.
• Represent the company professionally in external communications.

Conocimientos

Analytical skills

Communication skills

Problem-solving skills

Ability to multitask

Educación

Bachelor's degree in Finance, Accounting, or a related field

Herramientas

Microsoft Office (Excel, PowerPoint, Word)

SAP or ERP experience

Descripción del empleo

The Credit and Collections Analyst plays a vital role in supporting the Credit Department by ensuring timely and accurate financial analysis, credit risk assessment, collections management, and order release decision-making. This role is key to maintaining strong customer relationships, minimizing credit risk, and supporting business growth through informed credit practices.

Key Responsibilities

• Analyze and spread financial statements for new and existing customers to support credit limit decisions in alignment with sales objectives.
• Maintain comprehensive and audit‑compliant credit files, including documentation required for trade credit insurance claims.
• Collect, organize, and review supporting documents for credit evaluations, maintaining clear communication with internal stakeholders.
• Conduct both quantitative and qualitative credit risk assessments, including credit report reviews and, when necessary, customer site visits.
• Investigate and resolve past‑due accounts by analyzing payment trends and collaborating with Sales and Credit Managers.
• Support daily order release processes using sound judgment to balance risk management with customer service requirements.
• Generate timely accounts receivable reports, aging summaries, bad debt provisions, and other key management reports.
• Administer trade credit insurance processes, including internal claim preparation and policy compliance.
• Build and maintain strong working relationships with cross‑functional teams and external partners.
• Represent the company in a professional manner in all external communications.

Qualifications

• Bachelor’s degree in Finance, Accounting, or a related field.
• 1–5 years of experience in credit risk, collections, or a finance‑related role; experience in commodities is a plus.
• Prior experience working with trade credit insurance providers is an advantage.
• Strong analytical, communication, and problem‑solving skills.
• Proficient in Microsoft Office (Excel, PowerPoint, Word); SAP or ERP experience preferred.
• Ability to multitask, prioritize effectively, and meet deadlines in a fast‑paced environment.
• Fluent in English, both written and spoken.