Senior Credit Risk Analyst: Financial Risk & Collections

TotalEnergies Group; Johannesburg; On-site; ZAR 600,000 - 900,000; Full time

Job summary

TotalEnergies est un employeur équitable; TOTAL Deutschland GmbH cherche un Analyste Risque Crédits pour traiter les demandes, évaluer les risques, analyser les états financiers et soutenir les équipes de recouvrement tout en assurant des rapports fiables et conformes.

Le candidat idéal possède au moins 3 ans d’expérience en risque crédit, maîtrise SAP AR et Office, et une compréhension des cadres juridiques commerciaux. Poste basé à Johannesburg, CDI, travail sur site.

Qualifications

• B Comm degree requis.
• Minimum 3 ans d’expérience en risque crédit.
• Compréhension des lois commerciales et du crédit.
• Capacité à analyser des états financiers et données client.
• Maîtrise des modules SAP AR et rédaction de rapports.

Responsibilities

• Traiter et examiner les demandes de crédit et évaluer le risque.
• Analyser les états financiers et données clients pour déterminer le risque.
• Surveiller les indicateurs économiques affectant le risque et les encours.
• Appliquer les limites de crédit et en rendre compte.
• Réaliser les revues annuelles des crédits et recommander des garanties.
• Notifier les assureurs-crédit et suivre les réclamations.
• Établir des limites de crédit conformes à l’autorité.
• Soutenir les équipes de recouvrement et les audits.

Skills

Analyse financière

Credit risk

Rapportage

Communication

Education

B Comm

Tools

SAP Accounts Receivable

Microsoft Office

Job description

Domaine Finance

Type de contrat CDI

Expérience Minimum 3 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

As a Credit Risk Analyst, you will be responsible for the following activities:

• To process and review all credit applications for clients within the business segments assigned by conducting risk assessments on new customers to determine customer’s credit worthiness and the risk of default to TMSA aligned to the organisation’s policies and standards and conduct ongoing risk assessments on existing customers.
• Assess, analyse, and interpret financial statements and client credit data to determine the degree of risk involved in dealing with the customer
• Monitor economic indicators which may affect credit risk and collections and provide appropriate recommendations to Business.
• 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 manage timeous annual credit reviews on all customers with credit limits
• Recommend collateral where necessary and ensure validity and legal enforceability.
• To notify credit insurance of any defaults and submit claims timeously to enable timeous settlement as well as follow up on any pending claims.
• To ensure that Credit insurers are fully informed of status of the debtors
• To establish a suitable Credit Limit for customers in line with delegation of authorities
• To offer effective customer collections support to the Accounts receivable team in analysing the performance of the debtor’s book
• To ensure P&L budget objectives are adhered to with regards to Bad Debt Provision and Bad Debt write off.
• To provide assistance to the Auditors on all requirements (for internal and external audits).
• Build and manage relationships with key stakeholders - (Credit Bureaus, Insurance houses, Banks, Business Team, etc).
• To perform ad-hoc credit risk management related activities.
• To support initiatives within the Finance and IS division.

Reporting:

• To provide an accurate and ongoing reconciliation of securities and approved Credit limits.
• To analyse the Credit Results on a monthly basis and to provide the Accounts Receivable Manager Managers with a guideline of ensuring accurate and prompt collections in lieu of critical risk elements.
• To assist Conduct DMA analysis reports for accounts with limits upon reviews.
• To assist Calculate and prepare of the DSO report for business as when requested.
• To assist with provisions, accruals, priority controls, KPC and WCR reporting.
• To assist with trade insurance declarations.
• Assist with preparation for the Credit Committee presentation.
• Build and maintain positive relationships with relevant internal and external stakeholders
• Assist internal sales partners with credit decisions and with communicating the adaptation and application of the group credit policy, Company’s act, and National Credit Act
• Provide support to the team and business

HSSE:

To effectively manage and minimise HSE risk within area of responsibility by ensuring: Compliance with all HSE Policies, rules, guideline and legal requirements. Promotion of safe working environment and positively contributing to the company HSE KPIs and risk reduction strategies. That HSE competency requirements are identified & enforced within area of responsibility

The ideal candidate will possess the following qualities, skills, and experience to thrive in this role:

• B Comm degree is a requirement.
• Minimum of 3 years’ experience business related experience.
• Understanding of Commercial Law.
• Ability to analyse financial statements.
• Key competencies required: deciding and initiating action, adhering to principles and values, presenting and communicating information, analysing, planning & organising, delivering results, meeting of customer expectations, support business ambition, strong understanding of credit analysis and policies, good understanding of risk management principles, excellent time-management skills.
• Technical competencies required: good working knowledge of accounts receivable module of SAP, good SAP report writing skills, good working knowledge of Microsoft products, support digitalization of processes & people management.
• English is the business language.