Credit Specialist

Zoomlion; Muscat; On-site; OMR 15,000 - 20,000; Full time

Job summary

A leading company in construction equipment seeks a Credit Analyst. The successful candidate will evaluate credit data, maintain financial records, manage contract processes, and ensure compliance with credit policies. This role requires strong analytical skills and at least four years of experience in finance, with proficiency in English and Arabic preferred.

Qualifications

• Minimum 4 years’ experience in credit analysis required.
• Bachelor's degree required; Master's preferred.
• Good communication skills in English; Arabic is an advantage.

Responsibilities

• Evaluate clients’ credit data and financial statements.
• Prepare credit reports and communicate with sales staff.
• Conduct on-site investigations and manage overdue payments.

Skills

Communication

Negotiation

Detail-oriented

Education

Bachelor's degree in Finance

Master's degree in Finance

Job description

Responsibilities:

1. Evaluate clients’ credit data and financial statements in order to determine the degree of risk.

2. Prepare Credit reports in accordance with credit policy

3. Communicate with sales staff to obtain business opportunities and pipeline, give advice on the credit sales models and credit proposals.

4. Conduct on-site investigation and complete site survey report.

5. Participate in credit review conference, follow up with the execution of the decision of credit review conference.

6. Initiate credit sales contract review process and follow up with the contract signing.

7. Implement the risk control measures and collect the related contracts, certificates and other documentations.

8. Establish and maintain the business ledger, documentations ledger and customers’ repayment ledger, monitor contracts execution and payment collection.

9. Carry out overdue payment collection, initiate equipment repossession process and apply for lawsuits if necessary.

10. Develop the third-party financial partner channels, and coordinate with the third-party financial partners for financing business referral.

Other Requirements:

- Good verbal and written communication skills in English and Arabic preferred

- Strong interpersonal skills, negotiation, and details oriented.

- Ability to work independently and collaboratively in a fast-paced environment

- At least 4+ years’ experience in relevant field within the Oman.

- Bachelor's degree preferably Masters Degree in Finance.

- English language (Required)

- Arabic Language (Added Advantage)

- Oman Experience (Required)

- Driving license (Required)