• Review new customer credit applications and determine credit worthiness of applicants based on credit data and other relevant financial information provided whether by the applicant or credit rating agencies
• Designate degree of risk involved in extending credit by performing relevant investigations warranted for the customer.
• Ensure all approved applications comply with the Company’s credit criteria / Stay current in all aspects of analyzing and setting credit lines for assigned portfolio.
• Review and increase/decrease credit limits
• Review accounts in breach of credit terms and conditions and recommend hold or other actions where appropriate to do so
• Release orders that were held for credit, as appropriate
• Recommend and monitor processes that mitigate the risks associated with granting credit (asset securitization, etc.)
• Assist the Credit Manager in the preparation of a quarterly bad debt provision 
• Work with the sales group to ensure that needs are met from a Credit perspective
• Resolves customer issues/complaints referred by management and first line supervisors relating to credit matters.
• Maintain lien process for assigned portfolio’s

Skills: Credit Assessment, Risk Analysis, Credit Limit Management, Compliance Monitoring, Order Release Management, Risk Mitigation, Bad Debt Provisioning, Customer Issue Resolution

• Work collaboratively with Credit Product Underwriters.
• Monitor specified credits through quarterly compliance testing, financial statement spreading, covenant compliance monitoring, and other credit services.
• Participate in writing commitment reports for specified loans and present loan renewals to management.
• Prepare quarterly asset quality reports for management review on credits showing negative trends or some level of stress.
• Proactively manage required client financial and documentation reporting requirements to keep exceptions below the internal monthly target.
• Monitor specified credits to ensure proper cash flow, financial stability of the borrower and its principals, and compliance with loan covenants.
• Assist in solving complex/sensitive inquires of customers through extensive research to resolve problems/errors.
• Provide credit training to Accelerated Career Track participants.
• Ensure confidentiality and security of all credit files
• Assist in reconciling client invoices

Skills: Credit Monitoring, Compliance Testing, Financial Statement Analysis, Covenant Compliance, Report Preparation, Problem Resolution, Credit Training, Documentation Management

• Analyze new and existing corporate and FI counterparties primarily in Greater, conduct in-depth risk analysis and recommend credit ratings, transaction ratings and risk appetite
• Provide credit approval recommendation for fixed income, equity and lending transactions
• Manage independently complex credit proposals to reach a solution under the mentorship of seniors
• Present credit portfolio to various committees and monitor key credit ratios
• Work with various business partners on new products setup and take initiative with new and existing internal reports
• Participate in client meetings together with Front Office colleagues to conduct due diligence. 
• Set credit terms and review documentation including loan facility agreement, ISDA/CSA/NAFMII and other credit agreements
• Closely supervise and manage risk events and raise to management, including but not limited to with industry trends and risk themes and portfolio companies’ specific news
• Performing industry reviews of covered portfolio and stress testing of covered portfolio companies on a regular basis
• Prepare for audit, regulatory initiatives, credit risk review and other internal projects pertaining to Credit Risk Management
• Collaborate with the wider APAC credit team to cover businesses and counterparties in the other markets, as well as the wider CRO APAC team and other risk functions to improve the governance and risk control culture of the Bank

Skills: Risk Analysis, Credit Rating, Transaction Approval, Credit Portfolio Management, Due Diligence, Documentation Review, Risk Event Management, Industry Review and Stress Testing

• Responsible for the execution of direct sales collection and project progress management/coordination
• Closely work with CE on daily basis
• Analyze and process the daily delivery release request, ensure timely and accurate
• Check IDA’s credit on daily basis, supervise the use of IDA’s credit, and collect the overdue if any
• Clearly understand the progressing and status of each direct sales project
• Manage and coordinate the sales projects execution with sales team, customer service team as well as related functions
• Communicate projects status and action plans with sales team daily basis
• Provide project procedure support to regional/KA sales team and review milestones submittals.
• Collection support such as signing the collection documentations on customer side or customer visit to push for AR repayment
• Coordinates credit and portfolio administration support such as monitoring past dues, document exceptions, security value monitoring, and covenant compliance.
• Maintain client files and update information 

Skills: Project Management, Sales Coordination, Credit Monitoring, Accounts Receivable Management, Communication, Customer Service, Documentation Support, Compliance Monitoring

• Data enter loan applications into front-end credit processing system, verify required information
• Run appropriate credit bureaus, compliance and regulatory checks (OFAC) and any additional investigative searches necessary to complete credit analysis
• Examine directories, public records and various other search engines in order to verify information received on application
• Obtain credit and employment references (verbal or written) on potential clients
• Assist credit department with month end duties including: purging shipping files to storage facility and maintaining accurate department logs for tracking
• Monitor accounts receivable portfolio to help eliminate events that may increase risk.
• Oversee customer order blocks daily to determine reason for block and address issues accordingly
• Date late payments and initiate late payment notices
• Participate in negotiation of repayment and financial plans 
• Resolve financial discrepancies
• Keep records of payments up to date

Skills: Data Entry, Credit Analysis, Compliance Checks, Information Verification, Reference Verification, Accounts Receivable Monitoring, Payment Management, Financial Discrepancy Resolution

• Bilingual (Spanish/English) highly 
• Familiarity with consumer lending products and practices.
• Experience in customer service call center function.
• Experience in a retail sales and/or call center environment.
• Understanding of the importance of consistency, accuracy and detail-orientation 
• Excellent attention to detail.
• Strong customer service skills with the ability to maintain a high level of professionalism via phone and email.
• Ability to maintain confidentiality.
• Possess the ability to change priorities quickly as time-sensitive needs arise. 
• Able to adapt to a fluctuating workflow, particularly during periods of high loan volume.

Qualifications: BA in Banking with 2 years of Experience

• Able to thrive in a fast-paced work environment.
• Proven experience in credit risk management or similar experience.
• Experience in specific counterparty credit risk and/ or credit risk portfolio management 
• Outstanding written and verbal communication with fluency in English, are organized and self-motivated.
• Understanding of capital, and stress testing and familiarity with regulatory requirements.
• Strong analytical, problem-solving skills and are able to manipulate small or large amounts of data.
• Excellent interpersonal skills and ability to manage multiple business partners.
• Demonstrate the highest levels of integrity, conduct, and ethics.

Qualifications: BA in Economics with 5 years of Experience

• Communicate effectively both verbally and in writing.
• Strong understanding of financial analysis, financial statements, balance sheets, income statements, and cash flow.
• Must have knowledge of documents such as guarantees, security agreements, and lien processes
• Must have knowledge of ERP software programs
• Must have previous Sales Tax experience
• Strong knowledge of the Credit Application process
• General knowledge of Accounts Receivable
• Strong attention to detail with the ability to work accurately and efficiently
• Strong organizational skills, ability to prioritize work and meet deadlines while maintaining multiple tasks
• Ability to exercise independent judgment

Qualifications: BA in Business Administration with 5 years of Experience

• Ability to multi-task successfully and meet deadlines in a fast-paced environment
• Have solid written and oral communication skills
• Ability to complete processes required within a 2-hour time constraint.
• Ability to work with limited supervision.
• Excellent verbal and written communication skills.
• Strong PC skills - strong problem-solving skills.
• Excellent interpersonal skills.
• Ability to multi-task, team spirit
• Demonstrated problem-solving
• Ability to work with a wide cross-section of people in various locations

Qualifications: BA in Accounting with 3 years of Experience

• Good analytical, verbal, and written communication skills
• Fluent English (any additional language is an advantage)
• Good Microsoft Office/PC skills, including good working knowledge of Excel
• B1 proficiency in the German language
• Knowledge of ERP software programs, SQL
• Must be a team player with effective communication and excellent customer service skills.
• Able to communicate with a broad range of staff and customers, including CEO, CFO and VP.
• Experience with the financial industry and/or insurance 
• Strong business judgment

Qualifications: BA in Finance with 3 years of Experience