Cargill Credit Analyst in Foshan, China

Credit Analyst

Cargill provides food, agriculture, financial and industrial products and services to the world. Together with farmers, customers, governments and communities, we help people thrive by applying our insights and over 150 years of experience. We have 150,000 employees in 70 countries who are committed to feeding the world in a responsible way, reducing environmental impact and improving the communities where we live and work.

Description

Compliancy to CAN Platform Credit Policy and Locations Credit Annex in the day-to-day activities (15%)

  • Ensure self compliancy to the policies in the day to day activities

  • Help to identify any elements of non-compliancy to the policies

  • Actively providing input to the credit manager in improving local processes or defining follow-up action plan to address such non-compliancy

  • Develop others in gaining understanding of the credit policies and processes – formal or informal basis

Credit decision making and management (40%)

  • Perform independent credit assessment on limit request

  • Approve credit exposure request within the delegated approval authority

  • Ensure proper documentation in place as required by the policy and or credit approval

  • Provided guidance to Commercial team for guarantee or collateral担保品 procedures

  • Work closely with Commercial Lead / Sales Managers for credit renewal / withdrawal / review effectiveness of credit support to customers

  • Ensure accurate and prompt update of customer credit information in the system and master file as per the credit approval

  • Actively work with the commercial team in debt repayment plan of overdue/bad debt customers

  • Perform customer visit to develop understanding of the market and business requirement and demonstrate such understanding in his/her credit decision

  • Work with commercial team and remaining Finance function to achieve local credit target

Credit Collection (20%)

  • Work with the CBS OTSC team and commercial team to ensure good collection practice as required in local credit annex

  • Work with legal team on bad debt recovery

  • Provide input in the level of bad-debt reserves to the locations controller based on his/her understanding of the customer

  • Improve and or establish collection process and or strategy to achieve overdue targets

Reporting & Monitoring (10%)

  • Work closely with CBS OTSC Team to ensure reporting is done on time and completely.

  • Provide in-depth analysis and ensure sufficient early warnings signs are given to the business when payment behaviors of customers is out of line.

  • Weekly credit meeting with the stakeholders of his/her designated portfolio to discuss credit issues and or future requirement

  • Provide timely alerts to the credit manager on key industry and or social economic events in the locations and give analysis on potential impact to the portfolio

Credit Solutions (10%)

  • Exploring availability of financing solutions in the market

  • Actively provide analysis to the business for potential solutions for customers

Project as required by the credit organization and the locations such as system and process roll-out (5%)

Qualifications

Minimum Required Qualifications

  • achelor Degree in Banking, Accounting or Finance

  • At leaset 5 years hands-on working experience in assessing customer credit risk – preferably in agriculture sector

  • Working knowledge in collection and dealing with bad-debt/bankrupt cases

  • Fluent english (spoken & written)

  • IT knowledgeable (expert excel user)

  • Good communicator

  • Analytical

  • Tenacity 坚韧

  • Independent worker

  • Customer focused

Preferred Qualifications

  • Excellent Credit Management

  • Excellent people management skill

Job Finance/Accounting

Primary Location China-33-Jiaxing

Other Locations China-44-Foshan, China-13-Langfang

Schedule Full-time

Job Type Standard

Shift Day Job

Req ID: JIA00005