Credit Risk and Stewardship Manager

TotalEnergies Group

Johannesburg

On-site

ZAR 900,000 - 1,300,000

Full time

23 hours ago

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Job summary

TotalEnergies Group, Domaine Finance, cherche un contrôleur crédits et reporting basé à Johannesburg. Vous gérerez l'analyse financière, le contrôle des comptes clients et le suivi des risques, assurant le respect des échéances et des normes comptables.

Vous devez posséder un BCom et au moins 5 ans d'expérience, maîtriser SAP/Harmonie, et démontrer des compétences en droit commercial et en anglais. Le poste est CDI et exige une forte orientation résultats.

Qualifications

BComm degree en comptabilité, finance ou commerce.
Minimum 5 ans d'expérience en affaires ou poste similaire.
Compréhension du droit commercial.
Capacité à analyser les états financiers.
Anglais opérationnel (langue de travail).

Responsibilities

Préparer les documents pour le Credit Committee et assurer la conformité.
Réaliser une évaluation des risques des nouveaux clients.
Analyser les résultats de crédit mensuels et guider le Responsable Accounts Receivable.
Gérer un sous-portefeuille de clients dans le contrôle du crédit.
Établir et vérifier les limites de crédit et les garanties.

Skills

Credit analysis

Financial statements analysis

Risk management

Decision making

Leadership

Education

BComm (Accounting, Finance, Commerce) degree

Tools

Harmonie/SAP

SAP report writing

Microsoft Office

Job description

Domaine Finance

Type de contrat CDI

Expérience Minimum 6 ans

Meeting of stringent deadlines with regards to timeous reports and audit requirements.
High degree of responsiveness expected from Commercial divisions.
Risk sensitivity to high-risk economic cycles in South Africa and business.
Necessity to analyse rapidly financial information in stressed scenarios.

The incumbent will be responsible for performing the following duties and responsibilities:

Controlling and Reporting:

To prepare and provide documents to the Credit Committee and ensure alignment to Financial Accounting Standards.
To perform a Risk Assessment on all new customers (prior to entering into any commercial relationship). This must be based on Internal and External information.
To analyse the Credit Results on a monthly basis and to provide the Accounts Receivable Manager with a guideline of ensuring accurate and prompt collections in lieu of critical risk elements.
To provide an accurate and ongoing reconciliation of securities and approved Credit limits.
To prepare, submit and examine reports pertaining to Customer Accounts Manager.
To assist in the Credit application document verification process
To manage sub-portfolio of customers within the credit control department.
To manage Customer Accounts Banking Control portfolio.

Business Developments:

Analyse customer financial situations to ascertain strengths and weaknesses and keep commercial teams informed.
To establish a suitable Credit Limit for customers in line with delegation of authorities.
To ensure guarantees in place in line with credit risk associated to the customer, or choose no risk payment terms (pre-payment)
Manage the relationship with external service providers- credit bureau (Inoxico), all credit insurers(Garage Sure,CGIC,Lombard).
To ensure Credit Insurance claims are submitted timeously to avoid repudiation due to late submission.
To apply an ongoing reviewing methodology on all Credit limits within the various channels of trade and to monitor and report on all Credit limits changes.
To ensure P&L budget objectives are adhered to with regards to Bad Debt Provision and Bad Debt write off.
Establish a control framework (e.g. information systems access and authorities, delegation of Authorities, SOX controls to follow all request of file transfers to Litigation to have a managed approach to minimise the Bad Debt Provisions trader accounts).
To establish controls/processes to manage Credit Risk exposure to reduce DSO and optimize Working Capital.
Referral of all Acknowledgement of Debts requests to the Customer Account Manager/ Legal/Credit Committee.
To ensure correct information for auditing purposes and provision plus WCR calculation.
To define clear segregation of duties between the Credit/Business Support and Sales and Marketing teams.
To establish and maintain a Credit Risk Policy in conjunction with Customer Accounts Manager, allowing Risk control (calculate and validate credit limits).
To manage timeous annual credit reviews including
- Preparation of approval memo for CDMS (9 customers above 20M$).
- Preparation of approval memo for Afrique Direct (16 customers above 4.8 M$).
- To implement clear rules on term setting/conditions of payment in order to minimise the bad debts and to optimise the cash flow from debtors.
- To define the rules in conjunction with Customer Accounts Manager of order blocking and release as per the Group Policy and in terms of Levels of Authority.
- To provide assistance to the Auditors on all requirements (for internal and external auditors).
- To build and maintain relationships with key internal and external customers and stakeholders.
- To ensure a well-managed Credit Risk Department regarding resource allocation and workload.

HSEQ:

To ensure that Customer files safekeeping and are updated and kept up to date with the required documentation for the approval of accounts and limits.
To ensure the safekeeping of all documents securing debt.

People management and development: