Job Summary:

• Reconcile FTI open Accounts Receivable with customer open Accounts Payable
• Resend all the invoices not received by the customer
• Solve all issues related to invoices received with exceptions
• Post and clear customer payment to the account
• Monitor and report the overall Accounts Receivable trend on a weekly basis
• Monitor and report the status of all open claims
• Understand customer reconciliation guides and dispute processes
• Manage and mentor Home Center Claims Analyst/s

Skills on Resume:

• Account Reconciliation (Hard Skills)
• Invoice Management (Hard Skills)
• Issue Resolution (Soft Skills)
• Payment Processing (Hard Skills)
• Trend Reporting (Hard Skills)
• Claims Monitoring (Hard Skills)
• Process Understanding (Hard Skills)
• Team Management (Soft Skills)

Job Summary:

• Recommend and approve dealer appointments / terminations and perform due diligence for new customers
• Manage timely collection of quarterly dealer financial statements
• Manage dealer-watch process to identify high risk accounts and enforce effective dealer watch action plans
• Ensure accurate and timely Credit reporting
• Build and maintain strong relationship with clients to ensure extension of credits, assignment of payment terms, timely collections of receivables and negotiating loan terms
• Manage customer payments process and reduce unapplied cash on client accounts
• Assesses risk of doubtful and Bad debts and maintains adequate provisions
• Supervise and provide ongoing training to credit/accounts receivable personnel
• Measure department performance with appropriate metrics, acknowledge, motivate and provide support 
• Manage internal stakeholders in order to minimize credit risks

Skills on Resume:

• Due Diligence (Hard Skills)
• Financial Monitoring (Hard Skills)
• Risk Identification (Hard Skills)
• Credit Reporting (Hard Skills)
• Relationship Management (Soft Skills)
• Payment Processing (Hard Skills)
• Debt Assessment (Hard Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Create, manage, enforce, maintain, and update corporate credit policies and procedures. 
• Continually improve the efficiency of the processes and systems and respond to changing business conditions.
• Work with sales teams to ensure compliance with policies and controls.
• Evaluate new and existing customer credit applications and requests for credit worthiness and establish appropriate credit limits and terms.
• Review credit and collection reports to evaluate effectiveness of current policies and procedures.
• Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution to be presented to senior management.
• Hire, develop, manage, and mentor the collection team.
• Monitor deductions being taken by customers.
• Implement processes to prevent past due balances.
• Notifying management and sales of issues and recommending potential solutions.

Skills on Resume:

• Policy Development (Hard Skills)
• Process Optimization (Hard Skills)
• Compliance Management (Hard Skills)
• Credit Evaluation (Hard Skills)
• Risk Analysis (Hard Skills)
• Team Leadership (Soft Skills)
• Deduction Monitoring (Hard Skills)
• Problem Resolution (Soft Skills)

Job Summary:

• Perform financial analysis based on financial statements and forecasts.
• Assess business models in the context of due diligence and compliance with the guidelines of the NCA and payment institutions.
• Underwriting, transaction monitoring, chargebacks, and annual periodic reviews.
• Assess and interpret Credit Bureau Reports.
• Evaluate & manage collateral and reserve accounts.
• Manage communication with sales channels and partners regarding new applications.
• Proactively monitor the Customer Portfolio.
• Verify adherence to compliance requirements and credit guidelines.
• Complete monthly reporting.
• Review credit of the portfolio periodically.
• Answer and resolve risk management and compliance inquiries.
• Train partners and customers on risk management processes.
• Calculate reserves/collaterals based on credit exposure.
• Manage Credit Policy in line with corporate requirements.

Skills on Resume:

• Financial Analysis (Hard Skills)
• Business Model Assessment (Hard Skills)
• Underwriting Skills (Hard Skills)
• Credit Reporting (Hard Skills)
• Collateral Management (Hard Skills)
• Partner Communication (Soft Skills)
• Compliance Verification (Hard Skills)
• Risk Training (Soft Skills)

Job Summary:

• Monitor and complete periodic credit reviews, including financial analysis and credit risk scoring. 
• Managing credit risk across varying economic cycles.
• Lead credit reviews for customer on-boarding process.
• Approve the use of specific payment terms to effectively manage portfolio DSO.
• Decision accountability regarding the extension of credit within the assigned delegated authority framework.
• Collaborate with the collections department to call out collections of past due accounts receivable, as needed, to achieve company critical metrics.
• Participate in the creation of credit & collection strategies to mitigate risk and improve the organization’s competitive position.
• Carry out order holds as required to effectively manage customer exposure levels, collections and risk.
• Work with the Senior Management Team, across the organization, to support sales growth while mitigating credit risks.
• Anticipate and/or recognize internal and external factors that may impact organizational performance in a dynamic market, business, and economic environment.

Skills on Resume:

• Credit Review (Hard Skills)
• Risk Management (Hard Skills)
• Process Leadership (Soft Skills)
• Term Approval (Hard Skills)
• Decision Accountability (Soft Skills)
• Collections Collaboration (Soft Skills)
• Strategy Development (Hard Skills)
• Risk Mitigation (Hard Skills)

Job Summary:

• Support the lending team to assess, evaluate and structure credit applications in line with credit policy
• Carry out a detailed assessment of credit proposals
• Contribute to the ongoing development of policies, processes and procedures
• Involved in the continuous improvement of operational practices and efficiencies
• Build strong relationships across the various departments within this firm
• Measure department performance with appropriate metrics and achieve set DSO goals.
• Process all required legal documents incidental to credit collections and accounts receivable including construction liens, letters of credit, claims under bankruptcy, and use of collection agencies.
• Negotiate and secure arrangements for payment with delinquent accounts.
• Handle escalated issues presented by management.

Skills on Resume:

• Credit Assessment (Hard Skills)
• Proposal Analysis (Hard Skills)
• Policy Development (Hard Skills)
• Operational Improvement (Hard Skills)
• Relationship Building (Soft Skills)
• Performance Measurement (Hard Skills)
• Legal Document Processing (Hard Skills)
• Payment Negotiation (Soft Skills)

Job Summary:

• Complete ownership of the credit extension process to support revenue growth for the business while minimizing financial risk 
• Provide leadership, vision, and strategy to the credit team.
• Manage, lead, and support the development of the individuals on the credit team.
• Drive the credit conversation that takes place between the credit department, internal partners, and QBP’s Retail Bicycle Dealers.
• Responsible for a select number of high value customer relationships and their corresponding credit relationship to support growth while minimizing financial risk. 
• Partner with the Sales Team to help develop programs that are attractive to dealers, easy to sell, and incorporate QBP’s financial goals into account through competitive credit terms.
• Operationally lead the credit department through changes in company goals, process, and technology advancements
• Represent the department in various company projects impacting Credit and Accounts Receivable. 
• Analyze financial statements utilizing common ratios, financial benchmarks, and financial spreading software to determine business performance and risk of retail partners. 
• Manage the effective collection of QBP’s Accounts Receivable Portfolio.

Skills on Resume:

• Credit Management (Hard Skills)
• Team Leadership (Soft Skills)
• Relationship Building (Soft Skills)
• Strategic Planning (Soft Skills)
• Financial Analysis (Hard Skills)
• Risk Assessment (Hard Skills)
• Process Improvement (Hard Skills)
• Accounts Receivable Management (Hard Skills)

Job Summary:

• Maintaining the financial books.
• Guest in house credit limit, Group Booking Management.
• Sales Marketing for Credit Application.
• Follow up with customer company for SOA and Invoices.
• Provide accurate and timely results in the form of reports.
• Upholds the policies and procedures outlined in the credit policy.
• Develop and achieve established metrics for portfolio composition, Days Sales Outstanding, and annual credit review cycles. 
• Approve Credit Limits up to a specified signing authority.
• Ownership and Management of 3 party relationships including trade credit groups, collections agencies, merchant services, and supporting software utilized by the Credit and AR Teams 
• In collaboration with Legal team, guide QBP through any retailer bankruptcies or collection efforts that require the legal process.
• Attend Trade Credit Meetings on behalf of QBP
• Provide hands-on leadership support to the Credit and AR team including mid- to high-level operational work 

Skills on Resume:

• Financial Bookkeeping (Hard Skills)
• Credit Limit Management (Hard Skills)
• Sales Marketing (Soft Skills)
• Customer Follow-Up (Soft Skills)
• Reporting Skills (Hard Skills)
• Policy Enforcement (Soft Skills)
• Credit Risk Management (Hard Skills)
• Leadership Support (Soft Skills)

Job Summary:

• Manage the team of 3 credit analysts
• Continuously assess risk of existing accounts, reviewing credit limits, and managing risk/reward.
• Collaborate with the Commercial and the Finance teams located in EMEA region.
• Maintain & implement the Risk Management framework
• Collaborate with Credit Insurers to ensure maximum insurance cover on the customer portfolio.
• Explore various types of securities with customers to manage Arrow’s risk.
• Ensure that invoices/debts are paid in a timely manner.
• Approve new account risk assessment and customer validation.
• Prepare month end reports.
• Responsible for personnel decisions related to hiring, performance and disciplinary actions for direct reports. 
• Act as an escalation point for service delivery excellence and set high standards across the team
• Supervise the billing function for responsible sales ledgers.

Skills on Resume:

• Credit Analysis (Hard Skills)
• Risk Assessment (Hard Skills)
• Regional Collaboration (Soft Skills)
• Risk Management Frameworks (Hard Skills)
• Insurance Negotiation (Hard Skills)
• Security Management (Hard Skills)
• Accounts Receivable Oversight (Hard Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Analyze and approve new customers table for setting payment terms and credit limits to the system.
• Analyses and approve block, unblock customers based on request( Sales Department and Financial Department).
• Analyses and approve increase payments terms and credit limits (request for Sales Department).
• Verifies request to create a new location for the customer already existing in the system.
• Verifies and approve unblock and setting the new terms for a customers already existing in the system.
• Verifies customer history, payments and sales for different request (Financial Department).
• Verifies customers contract CDA, OPD.
• Achieve compliance to GCS requirements by ensuring efficiency and effectiveness of assigned Key and Supporting Controls. 
• Lead credit history research including collecting personal or business data for analysis and running credit reports.
• Coordinate the preparation and distribution of defined reports showing account performance.

Skills on Resume:

• Credit Limit Setting (Hard Skills)
• Customer Approval Processes (Hard Skills)
• Payment Terms Analysis (Hard Skills)
• Customer Verification (Hard Skills)
• Credit History Analysis (Hard Skills)
• Contract Verification (Hard Skills)
• Compliance Management (Hard Skills)
• Report Coordination (Hard Skills)

Job Summary:

• Evaluate and Manage the creditworthiness of potential customers and ensure all debtors accounts are reconciled regularly.
• Responsible for detecting and reporting trends in payments, as well as procedural problems, to the DOF, to include recommendations regarding corrective action or policies.
• Provide periodic reporting related to ageing and collection results to Senior Management. 
• Ensuring prompt, accurate and efficient system for billing of current and aged accounts Administrate credit processes and policies for other departments in the hotel.
• Verify Credit Application forms of new customer to establish credit worthiness of the company 
• Check and verify that all open Paymaster accounts were justified and should comply with company’s policy and procedure
•  Ensure that all credit applications properly documented approved by the management and are based on hotel’s policy and procedure
• Review and approve commissions in CTAC on daily basis .Scrutinizing all accounts to ensure adherence to the credit policy
• Responsible for pursuing and collecting delinquent accounts, providing status reports of uncollectable accounts and referring delinquent accounts to a collection agency.
• Preparer a list of authorized credit accounts and distribute to front office, reservations F&B outlets and sales department on a monthly basis.

Skills on Resume:

• Credit Assessment (Hard Skills)
• Debt Reconciliation (Hard Skills)
• Payment Reporting (Hard Skills)
• Billing Management (Hard Skills)
• Policy Administration (Hard Skills)
• Commission Oversight (Hard Skills)
• Account Collection (Hard Skills)
• Credit Authorization (Hard Skills)

Job Summary:

• Responsible for the Securities Margin Monitoring and Credit Risk Control for securities trading business
• Formulate the credit control framework for securities/stock options trading, stock borrowing & lending, margin/non-margin business in HK & overseas markets.
• Setup, implement and maintain internal credit limits, policies, procedures and reporting
• Ensure on-going compliance with regulatory requirements and Group policies, including adherence to an internal total margin loans limit, stock concentration limit, client concentration limit, stress test and etc.
• Perform margin exposure monitoring, follow up of client portfolio, training trading desk team to fulfill oversight risk monitoring
• Follow up with relevant teams on any margin deficit of client portfolios
• Partner with commercial team to provide direction and guidance on the risk aspects of transactions and ensure the eventual deal structure adequately mitigate key risk concerns.
• Identify and analyze potential sources of loss to minimize risk and estimate the potential financial consequences of a loss.

Skills on Resume:

• Margin Monitoring (Hard Skills)
• Credit Framework (Hard Skills)
• Policy Implementation (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Risk Monitoring (Hard Skills)
• Margin Management (Hard Skills)
• Transaction Guidance (Soft Skills)
• Risk Analysis (Hard Skills)

Job Summary:

• Lead qualitative and quantitative analysis and credit decisions of counterparties amongst all the commodities traded by COFCO Brazil.
• Work closely and guide the country´s leadership on new counterparties and strategies.
• Manage the counterparty portfolio performance using metrics such as mark to market exposure, potential future exposure and CVA.
• Keep up to date with macro-economic impacts on the business and industry trends.
• Perform risks assessments, identifying, describing, and estimating the risks affecting the business.
• Identify and highlight areas of potential risk to management and commercial teams and escalate transactions and issues
• Ensure that the credit processes, policies, and activities are aligned with the parameters of the organization´s policies and standards and regulatory developments.
• Liaise with internal and external stakeholders and the global risk team.
• Ensure proper credit administration, documentation, and reporting.
• Ensure the updates on Exposure Reports, Watchlist and No Trade Reports.
• Drive efficiency through technical innovation and process improvements.
• Develop and lead a self-driven team of experts.
• Supports and acts as a key user on projects.
• Recruit, Develop and retain the best talents to organization, though coaching and mentoring.
• Ensure compliance and good behaviours in the area of responsibility.

Skills on Resume:

• Credit Analysis (Hard Skills)
• Strategy Guidance (Soft Skills)
• Portfolio Management (Hard Skills)
• Risk Assessment (Hard Skills)
• Policy Alignment (Hard Skills)
• Stakeholder Liaison (Soft Skills)
• Process Improvement (Hard Skills)
• Talent Development (Soft Skills)

Job Summary:

• Act as underwriter for new and existing business, operating within an agreed personal underwriting authority and ensure that Close Brothers Invoice Finance & Rentals approve the right business for an appropriate return within group policies and credit risk appetite.
• Provide assistance and support to the Senior Credit Manager deputising at meetings and forms 
• Build effective working relationships with the colleagues in the Business, Credit and other central functions.
• Provide coaching, advice and feedback re credit submissions to front line teams and / or field based underwriters ensuring effective papers are delivered.
• Support with the organisation of local credit committees, production of minutes and distribution of papers for Group Credit Committees. 
• Attend local and Group Credit Committees, deputising for the Senior Credit Manager in their absence and any other related activity.
• Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the regulatory bodies are carried out to the standards 
• Work alongside the Portfolio and Monitoring team in respect of compliance with Credit Policies and support with information requests relating to audits and thematic reviews.
• Assist from time to time with CBIF Quality Assurance Monitoring, internal and external audits.
• Support Business or Credit projects as required from time to time.

Skills on Resume:

• Underwriting Expertise (Hard Skills)
• Team Support (Soft Skills)
• Relationship Building (Soft Skills)
• Coaching Ability (Soft Skills)
• Committee Coordination (Soft Skills)
• Compliance Oversight (Hard Skills)
• Audit Support (Hard Skills)
• Project Assistance (Soft Skills)

Job Summary:

• Manage credit risk through proper establishment of customer credit limit / risk category, regular review of customer credit performance and risk.
• Strengthen credit related internal controls
• Continually improve Credit related processes and policies and ensure the implementation under corporate credit policy.
• Work closely with BU as well as customers to identify growth initiative opportunities. Apply credit knowledge to support profitable business growth. 
• Provide credit consultation / conduct internal credit training to sales teams.
• Monitor the credit granting and updating process and manage customer credit files.
• Understand how data-driven processes can improve efficiencies and present solutions.
• Ensure completion of all required documentation for approved transactions.
• Provide credit advice and structuring solutions to commercial BU to optimize risk on deals.
• Establish credit limits, assign risk ratings/codes for new/existing customers and perform ongoing monitoring including participation in credit share groups, when applicable. 
• Assist with training and updating process documentation, as needed.
• Provide analysis and interpretation of the customers’ financial status for proper evaluation of risk and the establishment of proper credit limits, requirements and repayment schedules within designated approval levels.
• Makes independent credit decisions within designated approval levels, establishes new credit lines, and maintains existing accounts.

Skills on Resume:

• Credit Risk Management (Hard Skills)
• Internal Controls (Hard Skills)
• Process Improvement (Hard Skills)
• Business Collaboration (Soft Skills)
• Credit Training (Soft Skills)
• Data Analysis (Hard Skills)
• Credit Structuring (Hard Skills)
• Decision Making (Hard Skills)

Job Summary:

• Manage the accounts receivables for each business in the Lumber Division
• Responsible for reviewing aging’s for each business, monitoring and reporting trends and areas of risk
• Responsible for reviewing and approving requests for credit lines and payment terms for new and existing customers
• Improve overall collections process: including collection calls, legal process and collection letters
• Coordinate with outside legal on all write offs
• Ensure customer credit files are efficiently maintained at all times
• Prepare weekly and monthly AR reporting, include but not limited to AR balances, analysis on over 60 days and average collection days and review with senior management
• Manage daily customer credit queue
• Make AR calls and ensure an efficient amount of collection calls are being made across all businesses
• Supervise accounting staff on collections calls
• Work with personnel across departments and provide AR and credit training
• Periodically visit businesses to meet with onsite staff and customers 

Skills on Resume:

• Accounts Receivable Management (Hard Skills)
• Credit Analysis (Hard Skills)
• Collections Improvement (Hard Skills)
• Legal Coordination (Soft Skills)
• Reporting Skills (Hard Skills)
• Credit Queue Management (Hard Skills)
• Staff Supervision (Soft Skills)
• Cross-Departmental Training (Soft Skills)

Job Summary:

• Review/Approve Blocked Orders on account of overdue & exposure based on authority defined matrices
• Put in place pro-active Debt collection and follow-up process
• Manage debt settlements by monitoring payments, following up with clients and clear account problems
• Find solutions for reducing Credit exposure by strongly engaging with business units
• Credit Assessment
• Manage updated Credit Limits as per business requirements and review existing customer accounts periodically
• Conduct analysis of credit applications for new clients and evaluate their creditworthiness
• Ensure adequate Security against Credit exposure and create credit scoring models to predict risks
• Approve/reject loan requests based on credibility and potential revenues and losses
• Develop, review and update the company’s credit policies and ensure all lending procedures comply with regulations

Skills on Resume:

• Order Approval (Hard Skills)
• Debt Collection (Hard Skills)
• Payment Monitoring (Hard Skills)
• Credit Reduction (Hard Skills)
• Credit Assessment (Hard Skills)
• Limit Management (Hard Skills)
• Risk Modeling (Hard Skills)
• Policy Development (Hard Skills)

Job Summary:

• Achieve the Company Credit goals of minimization of credit losses and past dues
• Accountable for order board credit quality to achieve Credit’s risk mix goals, credit losses and past dues
• Review, spread and analyse audited and compiled financial statements in order to recommend or approve credit proposals within delegated authority
• Complete in-depth written analysis of financial and non-financial data for use within credit application submissions to Country, European and Global levels
• Recommend or approve extended payment terms
• Approve vehicles for production prior to fixed scheduling
• Collaborate with internal stakeholders to resolve non-approved vehicles for production
• Restructure distressed accounts
• Establishment of collateral and security
• Recommend receivables for write-off and pursue bad debt collection

Skills on Resume:

• Credit Goal Achievement (Hard Skills)
• Financial Analysis (Hard Skills)
• Credit Approvals (Hard Skills)
• Risk Assessment (Hard Skills)
• Payment Term Negotiation (Hard Skills)
• Production Approval (Hard Skills)
• Stakeholder Collaboration (Soft Skills)
• Debt Restructuring (Hard Skills)

Job Summary:

• Manage all credit activities including processing applications across enterprise
• Review commercial credit reports, company financial information and additional company research to assess credit risks
• Ensure credit applications are processed in a timely manner according to company guidelines
• Approve credit applications based on established credit guidelines, credit limits and security deposit guidelines
• Approve all business name changes ensuring necessary legal documentation supporting name change are verified and appropriate internal departments are notified.
• Monitor clients on a quarterly basis for appropriate credit limits and restrictions
• Discuss credit limit restrictions with clients, and discuss criteria required to increase credit limits
• Make recommendations for increasing credit limits on large, substantial clients
• Manage the Risk Acceptance process to ensure the proper approvals are obtained to grant credit to higher risk customers
• Manage the Extended Terms approval process to ensure the proper approvals are obtained to grant terms that are outside of the established standard terms
• Conduct quarterly reviews of the Company’s top customers to determine the credit risk and to change the customer’s credit limit as appropriate
• Operate and execute procedures and processes, within area of responsibility, in accordance with the established company policies and internal controls over financial reporting (ICFR)

Skills on Resume:

• Credit Processing (Hard Skills)
• Risk Assessment (Hard Skills)
• Application Approval (Hard Skills)
• Documentation Verification (Hard Skills)
• Credit Monitoring (Hard Skills)
• Client Negotiations (Soft Skills)
• Risk Management (Hard Skills)
• Compliance Execution (Hard Skills)

Job Summary:

• Responsible for the supervision of Credit team and the efficient delegation of tasks.
• Prompt action on overdue balances including maintenance, distribution and follow up of Disputes Register with Sales staff.
• Responsible for the administration of Credit Policy and regular reviews of customer credit limits.
• Work closely with Contracts and Projects Managers as large orders tend to involve the greatest risk.
• Drives collection strategy to ensure timely follow up with customers for payment.
• Provides functional support to the Finance Director, and informational support to other functional managers and staff on finance related matters.
• Prepares monthly financial reports and submissions for the local management and Xylem HQ.
• Regular reviews of new orders to ensure timely application for increases in credit limits.
• Liaise with internal staff for resolution of issues in a timely manner.
• Investigate any credit balances on customer accounts and arrange refund 

Skills on Resume:

• Team Supervision (Soft Skills)
• Dispute Management (Hard Skills)
• Policy Administration (Hard Skills)
• Risk Coordination (Soft Skills)
• Collection Strategy (Hard Skills)
• Functional Support (Soft Skills)
• Financial Reporting (Hard Skills)
• Issue Resolution (Soft Skills)

Job Summary:

• Lead the credit team supporting all divisions 
• Manage all aspects related to credit management, including consistent application of credit policy, periodic credit reviews of customers, granting and adjusting credit limits based on creditworthiness assessment, and timely collection of trade receivables. 
• Ensure the local operations are fully compliant with global policies and standards, cost effective, and high quality and added value to the business operations.
• Skilled in financial statement analysis and make credit limit recommendations. Provide approvals within delegated authority.
• Maintain a collaborative working relationship with the businesses to achieve accounts receivable working capital goals, minimize overdues and bad debt losses, and mitigate credit exposure. 
• Continually raise awareness of credit risks and objectives among the business teams. 
• Seek business support, as needed, to resolve customer issues in a prompt manner.
• Provide regular and ad hoc reports and updates on credit risks and A/R aging. 
• Ensure there is always a sufficient information flow among the appropriate stakeholders.
• Measure team and individual performances with appropriate metrics. 
• Provide training and development of credit staff and ensure compliance with mandatory training. 
• Provide regular feedback and proper motivation.
• Establish and maintain strong relationships with key customers.
• Manage credit reporting and other service vendors. 
• Hold them accountable for agreed service levels and manage costs.

Skills on Resume:

• Credit Team Leadership (Soft Skills)
• Credit Policy Management (Hard Skills)
• Compliance Assurance (Hard Skills)
• Financial Analysis (Hard Skills)
• Relationship Management (Soft Skills)
• Risk Communication (Soft Skills)
• Performance Measurement (Soft Skills)
• Vendor Management (Hard Skills)

Job Summary:

• Manage ongoing credit risk portfolio and establish the credit limit for all the customers with particular attention paid to customer history, industry, sectors, and geography
• Monitor clients for appropriate credit limits and restrictions as per the frequency defined in the company’s credit risk policy
• Ensure the quality, reliability and timeliness of all financial analysis
• Monitor accounts that have filed bankruptcy and other accounts that become doubtful for collection
• Assess accounts for referral to collection agency and maintain agency relationships
• Manage the Extended Payment Terms approval process to ensure the proper approvals are obtained to grant terms that are outside of the established standard terms
• Perform customer order releases on a daily basis
• Recommend changes in the credit policy to senior management
• Facilitate timely and appropriate resolution of emerging issues through the involvement of internal stakeholders
• Work on team’s projects in order to continuously improve tools and processes 
• Support Business development by identifying and proposing alternatives solutions: financing, payments mean (direct debit, e-bank draft etc.)
• Lead collection team on overdue AR management
• Build and develop relationships with the Sales Team and other functional partners including regular training of Sales team on Credit and Collection Policies and cash flow awareness, as well as regular monitoring of potential customer opportunities
• Prepare & present the monthly Credit Review with Credit Director, Sales Management and CFO

Skills on Resume:

• Credit Management (Hard Skills)
• Financial Analysis (Hard Skills)
• Bankruptcy Monitoring (Hard Skills)
• Terms Approval (Hard Skills)
• Policy Advocacy (Soft Skills)
• Stakeholder Engagement (Soft Skills)
• Team Leadership (Soft Skills)
• Relationship Building (Soft Skills)

Job Summary:

• Determines and promulgates corporate-wide Credit Policy, subject to review and approval, by the CEO and Board of Directors
• Interprets and implements approved policies and procedures to the Credit Department staff.
• Establishes standards for credit granting, development of criteria for credit limits, special terms, etc.
• Participates in the training, orientation and ongoing growth and professional development of credit personnel.
• Selects forms and procedures for use in the Credit Department.
• Coordinates activities with the Sales, Accounting, Data Processing and Customer Service Departments.
• Develops the Corporate Credit Manual. 
• Reviews and maintains Credit Manual updating processes and procedures regularly 
• Develops & maintains an immediate personal relationship with larger and problem accounts.

Skills on Resume:

• Policy Development (Hard Skills)
• Policy Implementation (Hard Skills)
• Credit Standards (Hard Skills)
• Staff Training (Soft Skills)
• Process Coordination (Soft Skills)
• Manual Development (Hard Skills)
• Manual Review (Hard Skills)
• Relationship Management (Soft Skills)

Job Summary:

• Maintains liaison with corporate counsel, outside attorneys, accountants, trade organizations, credit groups, financial institutions, etc.
• Represents the corporation in creditor committees.
• Recommends improvements in data processing techniques that relate to credit.
• Participates in sales and other management meetings 
• Reviews the performance of credit personnel. 
• Makes recommendations with regard to promotion of credit staff and salary increments to the CEO.
• Investigates new techniques and equipment for improving the Credit Departments performance.
• Assists CEO with establishing and maintaining the annual budget for the Credit Department.
• Collects delinquent accounts utilizing internal and external collection resources.
• Considering the relative cost and benefits of potential actions to choose the most appropriate one.
• Managing one’s own time and the time of others.
• Perform draws on Letters of Credit and assist in bankruptcy case management

Skills on Resume:

• Liaison Management (Soft Skills)
• Corporate Representation (Soft Skills)
• Data Process Improvement (Hard Skills)
• Management Collaboration (Soft Skills)
• Performance Review (Soft Skills)
• Staff Development (Soft Skills)
• Budget Management (Hard Skills)
• Collections Oversight (Hard Skills)

Job Summary:

• Support the lending team to assess, evaluate and structure credit applications in line with credit policy.
• Carry out a detailed assessment of credit proposals to ensure the highest standard of credit analysis 
• Make recommendations to the appropriate sanctioning authority.
• Ensure required cooperation with internal and external auditors.
• Contribute to the impairment review of exposures in line with impairment policy.
• Contribute to the ongoing development of appropriate policies, processes and procedures necessary
• Contribute to the improvement of operational efficiencies and practices 
• Maintain high standards in the delivery of the funded schemes.
• Relationships with other business divisions
• Work closely with the Lending Team and other areas in order to facilitate effective communication and working practices.

Skills on Resume:

• Credit Structuring (Hard Skills)
• Credit Analysis (Hard Skills)
• Recommendation Authority (Hard Skills)
• Audit Cooperation (Soft Skills)
• Impairment Review (Hard Skills)
• Policy Development (Hard Skills)
• Operational Efficiency (Hard Skills)
• Cross-Division Collaboration (Soft Skills)

Job Summary:

• Oversee approval and implementation of strategy within pre-defined thresholds.
• Manage oversight of loss impacting operations interface – collections and fraud strategies.
• Act as primary interface with the product teams.
• Control ownership and production of all reporting related to credit cards & personal lending.
• Ensure close partnership with risk oversight teams
• Joint readiness for regulatory interface
• Provide reports needed for compliance purposes
• Ensure that risk is identified, assessed, mitigated, managed and reported upon.
• Participate in the development of risk policy and ensure that the business operates within appropriate policies.
• Lead the development, approval and application of an appropriate risk appetite for the segment.
• Ensure that the business is operating within that appetite.
• Ensure appropriate governance and oversight procedures are in place.
• Provide expert advice and counsel to business leadership.
• Ensure that the risk framework within the segment is appropriately managed, resourced and documented to meet regulatory and audit requirements.

Skills on Resume:

• Strategy Approval (Hard Skills)
• Operations Oversight (Hard Skills)
• Team Interface (Soft Skills)
• Reporting Management (Hard Skills)
• Risk Collaboration (Soft Skills)
• Compliance Reporting (Hard Skills)
• Risk Policy Development (Hard Skills)
• Governance Oversight (Hard Skills)

Job Summary:

• Review recommends, approve and monitor policies and procedures within established guidelines for all risk elements applicable to the credit card and merchant servicing segments
• Ensuring efficient internal controls and procedures are in place, consistent with overall enterprise policies and regulatory requirements.
• Coordinate the development or revisions of policies, procedures, to ensure compliance with the regulatory process and that deviation from the policy is corrected and reported on.
• Oversee the credit risk adjudication process for the credit card portfolios to ensure that the portfolios are managed consistent with TD’s enterprise risk appetite.
• Approve credits within discretionary limits or makes recommendations over assigned discretionary limits for consideration by the Risk Management executive.
• Act as an internal expert resource on all aspects of credit card risk proactively assesses all credit issues, recommends strategies for effectively managing the credit risk
• Monitor and adjust exposure and recommend/escalate situations requiring approval of Risk Management.
• Lead credit and risk management activities for the Credit Card business develops and implements automated credit risk decision strategies for all credit card products
• Oversee the methodology and parameters used for credit card risk management – including creation, testing and review of models
• Identify, monitor and assess current and emerging risks.
• Ensure an effective operational risk management framework and culture within the credit card and merchant acquiring segment
• Establishing operational risk appetite and mitigation for specific exposures, compliance with operational risk policies, risk and control assessments, process analyses.

Skills on Resume:

• Policy Oversight (Hard Skills)
• Internal Controls (Hard Skills)
• Compliance Coordination (Hard Skills)
• Risk Adjudication (Hard Skills)
• Credit Approval (Hard Skills)
• Risk Strategy Development (Hard Skills)
• Risk Model Oversight (Hard Skills)
• Operational Risk Management (Hard Skills)

Job Summary:

• Responsible for credit analysis, review, setup, and update of customer accounts.
• Establish excellent communications with external and internal contacts.
• Ability to communicate credit decisions to various levels internally and externally.
• Document credit decisions, account follow-up, follow procedures, ensure compliance with legal statutes and company policies.
• Work with customers and TLM’s to resolve and release orders held for credit review via system workflow.
• Responsible for the full spectrum of Accounts Receivable matters for customer accounts.
• Provide customer account statements and respond to customer questions regarding payments and balance inquiries.
• Check and monitor payments /remittances for accurate account detail and reconciliations.
• Participate in team meetings and cross-functional events.
• Professional phone and email correspondence to customers.

Skills on Resume:

• Credit Analysis (Hard Skills)
• Stakeholder Communication (Soft Skills)
• Decision Documentation (Hard Skills)
• Compliance Adherence (Hard Skills)
• Order Resolution (Hard Skills)
• Accounts Receivable Management (Hard Skills)
• Payment Monitoring (Hard Skills)
• Professional Correspondence (Soft Skills)

Job Summary:

• Build/maintain customer credit files supporting any decisions to grant (or not grant) open selling terms. 
• Keep credit files current at all times (D&B reports, trade references, and financial statement analysis).
• Manage the cash collection process.
• Ensure all past due invoices are being paid or that there is a firm payment commitment for any past balances. 
• Maintain current working knowledge of real-time customer payment status, with a solid understanding of customer-specific payment matters (e.g., disputed invoices, requests for Proof of Deliveries, etc.).
• Approve credit lines up to established dollar limit authority. 
• Manage the release of all orders that go on credit hold.
• Manage the Cash in Advance process. 
• Respond to all inquiries from cash in advance customers.
• Maintain compliance with SOX internal controls and maintain current process documentation (narratives) including at least an annual review and update.
• Perform all work with an aim to reduce the company's risk with respect to credit and collections, balanced by the most efficient processes and methodologies. 
• Respond promptly to any audit-related requests 

Skills on Resume:

• Credit File Management (Hard Skills)
• Collection Process Management (Hard Skills)
• Payment Monitoring (Hard Skills)
• Credit Line Approval (Hard Skills)
• Order Release Management (Hard Skills)
• Compliance Maintenance (Hard Skills)
• Risk Reduction (Hard Skills)
• Audit Response (Hard Skills)

Job Summary:

• Providing a second line of defense to make sure the first line remains within the lending appetite and policy
• Ensuring robust risk and control frameworks are in place and followed.
• Undertake counterparty credit risk assessment and draft credit recommendations
• Credit approver, alongside undertaking governance and management of individuals portfolios.
• Credit risk management for FI counterparties across all entities within the ring-fenced bank.
• Produce clear and constructive responses to colleagues to approve or decline applications that can be effectively communicated to customers
• Develop and nurture effective working partnerships with relationship managers and line management, and contribute
• Make sure credit stewardship responsibilities of credit are undertaken effectively and the quality of relevant records are maintained to a high standard
• Actively consider and understand the inherent risks of the business, and manage appropriately, with mitigation within risk appetite
• Contribute towards robust risk and control frameworks, including communication, training and sharing awareness of these frameworks with colleagues
• Understanding and knowledge of relevant credit policy and criteria, paired with an understanding of derivatives to support treasury and TS products.

Skills on Resume:

• Risk Policy Enforcement (Hard Skills)
• Risk Framework Management (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Credit Approval (Hard Skills)
• Communication Skills (Soft Skills)
• Partnership Development (Soft Skills)
• Record Maintenance (Hard Skills)
• Risk Mitigation (Hard Skills)

Job Summary:

• Cultivate relationships with clients
• Review credit applications to determine approval or denial
• Oversee collections operations for overdue accounts
• Collaborate with operations and finance departments
• Continually improve processes as it relates to credit, collections, information systems, and reporting for clients and suppliers
• Work with suppliers to complete supplier credit applications and terminal setups with suppliers and carriers.
• Exercising sound judgment in preparing the underwriting and reviews of potential and current credit line customers
• Monitor accounts for accuracy
• Hire and train new department staff

Skills on Resume:

• Client Relations (Soft Skills)
• Credit Approval (Hard Skills)
• Collections Management (Hard Skills)
• Cross-Department Collaboration (Soft Skills)
• Process Improvement (Hard Skills)
• Supplier Coordination (Soft Skills)
• Credit Underwriting (Hard Skills)
• Staff Training (Soft Skills)