Analyst - Credit Assessment (1 year)

ACCA Careers; Cyberjaya; On-site; MYR 100,000 - 150,000; Full time

Job summary

A multinational corporation located in Cyberjaya, Malaysia, is seeking a Credit Risk Manager. The role involves assessing customer credit risks, managing security arrangements, and ensuring compliance with credit policies. Successful candidates will have strong negotiation skills and must speak fluently in English and Chinese. The position offers an opportunity to work within a diverse team while contributing to the organization’s financial health and customer relationships in a challenging environment.

Benefits

Flexible working hours

Paid parental leave

Access to training and development programmes

Qualifications

• Fluent in English & Chinese.
• Amenable to a 1-year contract.
• Good knowledge of financial statements interpretation & analysis.
• Experience in credit risk assessment preferred.

Responsibilities

• Manage credit risk assessments and security arrangements.
• Negotiate credit limits with customers.
• Ensure compliance with credit policies.
• Conduct financial analysis of customer statements.

Skills

Credit Risk Assessment

Business Partnering

Managing Operational Credit Risk

Receivables Management

Governance & Compliance

Education

Degree in Accounting or related Finance course

Job description

Job Description

Where do you fit in?

Purpose of Role

Responsible for the risk assessment of customers and the establishment of credit limits, the analysis of the overall credit exposure, the recommendation of terms of credit and the negotiation and management of security necessary to support higher risk exposures. Approval of credit limits, within delegated authority and obtaining the necessary MOA approval for exposures exceeding authority, approval of risk categories, and release of blocked orders. Actively support the sales account holders in credit issues. Provide support to the Credit Assessment Supervisor/Credit Senior/Team Manager/Country Credit Manager as required.

What's the role?

Accountabilities

Manage Credit Risk

Responsible for the risk assessment of customers, negotiating and managing security arrangements, establishment of appropriate credit limits with necessary MOA and the analysis of the overall credit exposure. Responsible for the re-assessment of credit-worthiness of customers based on re-evaluation triggers, and timelines. Provide authorized approval for the release of blocked orders in respect of credit. Perform detailed financial analysis of customer financial statements for development of a risk profile of each customer using analytical results to establish credit limits within designated authority level and prepare analysis write-up to obtain necessary MOA for decisions exceeding designated authority level. Ensure compliance with Global Downstream Credit policy, OCM standards & SOX controls. Meet/communicate with customer’s senior finance and business leaders to establish understanding of customer’s financial condition and business model as needed to complete credit analysis and to negotiate security when financial condition does not support credit exposure. Manage security arrangements to ensure timely actions taken to renew or replace expiring security instruments.

Manage Accounts Receivable

Responsible for ensuring that both ‘Proactive’ and ‘Reactive’ credit control takes place and ensuring that customers’ debt are collected in line with contracted payment terms. Ensure timely reassessment for triggers generated by significant delay in payment behavior, or negative business outlook. The authority’s decision would also need to be executed and documented by this role. Recognize financial risk situations on Trade Receivable Accounts. Exercise manual blocking of orders on high financial risk and seriously delinquent accounts. Recommend A/R provisions for bad debt.

Dimensions

• Countries/Businesses covered: All line of businesses in NEA – China

What we need from you?

Requirements

Key Challenges

Have the ability to discuss with customers in English & Chinese, issues concerning credit risk whilst still trying to maintain relationship with customers. The ability to negotiate effectively is a key requirement together with strong, but firm interpersonal skills. Must be extremely knowledgeable of business to both support and control credit issues. Maximizing commercial opportunities where credit can play a part in delivering strong margins whilst taking acceptable credit risks with a risk-reward trade off. This will require creating very good working relationships with the local Sales Teams, and strong levels of commercial knowledge across all line of business. Have the ability to discuss with customers, a range of issues, which can cover high risk, cash flow, growth potential whilst maintaining a solid business relationship. The ability to negotiate effectively is a key requirement. Demonstrate solid understanding of Downstream business strategies and growth objectives.

Qualifications

• Able to speak fluently in English & Chinese
• Candidates must be amenable to a 1-year contract role.
• Degree in Accounting or related Finance course is preferred
• Good knowledge of financial statements interpretation & analysis
• Experience in credit risk assessment and offer to cash process is an added advantage

Professional Experience

This role requires a results-focused team player, with strong communication skills both written & verbal. He/She must be able to work under tight time pressure whilst still maintaining high standards of work. Ability to deal with conflict effectively and challenge the business when necessary. Knowledge of MI and Business Support, to advise and support business decisions. He/She should possess strong commercial acumen to be able to support the sales organisation in credit matters. He/She must be credible and be able to negotiate effectively with customers and their professional advisors face to face at the highest level within their organization whilst valuing the customer relationship wherever possible.

Key Competences

• Credit Risk Assessment (Skill)
• Manage Operational Credit Risk (Skill)
• Business Partnering (Skill)
• Receivables Management (Knowledge-Skill)
• Governance & Compliance (Skill)
• Accounting & Reporting (Knowledge)
• Project Management (Knowledge)
• Data & Digital Skills (Knowledge)

What We Offer

You bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You’ll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You’ll be able to balance your priorities as you become the best version of yourself.

• Progress as a person as we work on the energy transition together.
• Continuously grow the transferable skills you need to get ahead.
• Work at the forefront of technology, trends, and practices.
• Collaborate with experienced colleagues with unique expertise.
• Achieve your balance in a values-led culture that encourages you to be the best version of yourself.
• Benefit from flexible working hours, and the possibility of remote/mobile working.
• Perform at your best with a competitive starting salary and annual performance related salary increase – our pay and benefits packages are considered to be among the best in the world.
• Take advantage of paid parental leave, including for non-birthing parents.
• Join an organisation working to become one of the most diverse and inclusive in the world. We strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply.
• Grow as you progress through diverse career opportunities in national and international teams.
• Gain access to a wide range of training and development programmes.

Shell has a bold goal: to become one of the world’s most diverse and inclusive companies. You can get to know more about how we're working towards that goal.

Shell is an Equal Opportunity Employer.

Candidates must be resident in Malaysia, or have the right to work in Malaysia.