• Phone and email collections for debts incurred for accounts.
• Monthly reconciliation's of major accounts.
• Processing of Debit and Credit notes.
• Monitoring and addressing IT system related issues.
• Reporting of accounting software (Bacchus, ERA) related issues.
• Resolving customer concerns regarding vehicle rentals and liaising between the Rental location (Corporate and Franchise) and the customer.
• Monthly creation of special reports for major accounts.
• Printing of Monthly Debtors Statements.
• Sending out overdue and final demand letters.
• Following through on debtors and reporting business risks to relevant stakeholders
• Ensuring all Invoices for Accounts have the correct email address.

Skills: Debt Collection, Account Reconciliation, Note Processing, IT Issue Reporting, Customer Liaison, Report Generation, Statement Printing, Risk Reporting.

• Deal/liaise with internal and external customers to facilitate payment of overdue accounts and resolve credit claims.
• Responsibility for managing the credit risk within allocated accounts
• Contact with customer by telephone and email to facilitate payment of overdue accounts.
• Mail form letters to customers to encourage payment of outstanding accounts.
• Maintain allocated worklist within FSCM on day-to-day basis.
• Record comprehensive information about financial status of customer and status of collection efforts on the database notes system.
• Maintain customer master records.
• Process daily banking receipts and allocations on all accounts.
• Assist with processing of new customer credit applications.
• Assist with credit assessments on existing customers.
• Perform credit checks (Credit reporting provider) and trade reference verifications
• Perform other duties as directed by the Credit & Risk Management Manager.
• Perform other administrative duties i.e. sorting filing correspondence, coordinating finance department archiving.

Skills: Customer Liaison, Risk Management, Payment Collection, Status Tracking, Record Maintenance, Credit Processing, Credit Checks, Admin Support.

• Responsible for approving corporate leveraged finance transactions, infrastructure transactions, structured credit transactions, real estate financing and derivatives trades.
• Responsible for the coverage of portfolio of counterparties and approval of new trades and transactions
• Undertake detailed credit analysis and complete periodic reviews of Corporate counterparties within the EMEA region.
• Managing counterparty risk exposure, including approving trades and new exposure
• Analyzing economic and market events and assessing their impact on the portfolio
• Conduct full credit due diligence including business review, financial analysis and cash flow modelling
• Evaluate transactions structure, legal documentation and covenants
• Work closely with front office personnel to understand and structure transactions
• Preparing rating proposal and monitoring a credit portfolio
• Briefing senior management and liaising with clients 
• Involved in the loan portfolio management and the production and presentation of ad hoc corporate and credit market analysis.

Skills: Credit Approvals, Risk Management, Credit Analysis, Due Diligence, Transaction Evaluation, Market Analysis, Rating Proposals, Senior Briefing.

• Perform financial and credit analysis to assess the credit risk of clients.
• Examine financial transactions and credit history case by case.
• Carefully analyze data and produce independent assessments and prepare credit proposal give recommendations accordingly.
• Conduct KYC and background due diligence checking of clients.
• Support credit approval and administration process, including credit documentation.
• Monitor and manage collection strategies for transactions.
• Understand the advantages and limitations of cross-border trading and how this affects the extension of credit
• Assist other ad-hoc projects
• Processing of End of Month Credit Card Accounts and producing End of Month Credit Card allocation report for allocations.
• Reduce the overdue on the Debtors Ledger to an acceptable level.
• Ensure customer's problems are solved quickly and accurately.
• Producing monthly report of Vehicles Not Sold for Fleet

Skills: Credit Analysis, Risk Assessment, Due Diligence, Credit Support, Collection Management, Cross-Border Insights, Report Generation, Problem Resolution.

• Lead and develop a team of testers and risk analysts to test and manage complex/critical/large professional disciplinary areas
• Lead testing forecasting efforts, including designing and maintaining complex testing structures, scripts and methodologies for financial and banking projects and initiatives
• Develop, test, optimize and implement testing policies and procedures
• Manage risk levels for the entire testing spectrum across multiple products and retail formats consistent with program goals to mitigate risk
• Track and report on initiatives, performance results, emerging trends and opportunities to senior management to improve testing quality, cost and efficiencies
• Establish cross-functional partnerships and networks in order to support the execute cross-functional and business initiatives
• Assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation
• Driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating
• Managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Skills: Team Leadership, Testing Forecasting, Policy Optimization, Risk Management, Performance Reporting, Cross-Functional Collaboration, Compliance Management, Control Supervision.

• Prior lending and sales experience in financial products and services.
• Knowledgeable in all facets of underwriting and loan types to include auto loans (both direct and indirect), lines of credit, signature loans, credit cards, home equity loans etc.
• Proficient in all Microsoft Office products and all internal transaction/loan process systems.
• Effectively communicate with internal and external customers appropriately via in person, phone, email etc.
• Experience in multi-tasking, meeting strict deadlines, dealing with sensitive information, and problem resolution while providing exceptional service. 
• Knowledgeable in Microsoft Office and all internal systems affiliated with the department.
• Ability to adapt quickly to change and proactively communicate. 
• Ability to translate change and information to employees effectively.

Qualifications: BA in Economics with 5 years of Experience

• Strong expertise in counterparty risk and financial analysis, cash flow projections and banking products (financing and derivatives)
• Knowledge of structured financing (such as shipping, aircraft and real estate)
• Sound and independent judgment, leading to pertinent decisions & recommendations
• Excellent negotiation and writing skills
• Ability to work under pressure and to meet tight deadlines. 
• Experience in corporate / structured credit, either within a risk management function, operations/control function or business line
• Exceptional analytical skills with attention to detail
• Effective communication and problem-solving skills
• Knowledge of Great Plains and Microsoft Office products advantage as well as the ability to pick up new CRM's quickly
• Willingness to work as part of a team but also able to work autonomously

Qualifications: BA in Business Administration with 7 years of Experience

• Working knowledge and experience with Financial Statement analysis for Business entity
• In-depth knowledge of banking products & services.
• In-depth knowledge of industry trends and regulations.
• In-depth knowledge of credit portfolio management policies & procedures, and financing guidelines.
• Technical proficiency gained through education and/or business experience.
• Experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans of $10 million or more.
• Thorough knowledge of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of production loans, mortgage loans and commercial credits.
• Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans.
• Experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships.
• Requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and procedures, as well as program and product development.
• Excellent computer, interpersonal, public speaking and communication skills.

Qualifications: BA in Risk Management with 8 years of Experience

• Solid working knowledge of financial markets and risk metrics, including VaR and stress testing
• Excellent product knowledge across derivatives, particularly of liquid equities, FX, and futures products
• Awareness of legislation and regulatory requirements affecting the Bank and customers
• Solid programming skills (Python, SQL, etc.)
• Understanding of bookkeeping and accounting principles
• Proficiency in English, MS Office
• Experience working with KPI's in call centre environment
• Strong excel and financial modeling skills and Advanced Excel training 
• Commercial Real Estate experience, professionally or academically.
• Strong personal motivation and attention to detail while working in a deadline driven environment.
• Ability to communicate clearly and concisely across multiple levels, as well as with internal and external stakeholders.
• Experience with industry resources and tools such as Bloomberg Terminal and S&P CAP IQ

Qualifications: BA in Management Information Systems with 4 years of Experience

• Proven experience in Customer Service, Sales Administration and/ or Cash Collection.
• Comfortable on the phone, have a good relationship, and are business and customer orientated
• Passionate customer service skills with demonstrated experience in solving customer issues without any further escalation. 
• Put customers first and understand the value of customer experience, exercising care and compassion with every call. 
• Demonstrating confidence and professionalism whether composing an email or processing a steady stream of transactions. 
• Able to operate MS applications.
• Knowledge of Great Plains and Microsoft Office products 
• Effective communication and problem-solving skills
• Strong personal motivation and attention to detail while working in a deadline driven environment.

Qualifications: BS in Finance with 5 years of Experience