LA Credit Analyst

Responsibilities :

JOB TITLE:

Latin America Credit Analyst

SERVICE UNIT:

GBS – Order to Cash

REPORTS TO:

O2C Manager - Budapest

JOB FUNCTION

• CREDIT REVIEW PROCESSING
• CREDIT LIMIT AND PAYMENT TERMS APPROVAL
• SYSTEMS / PROJECTS / PROCESS DESIGN
• MANAGEMENT REPORTING

DUTIES AND RESPONSIBILITIES

CREDIT REVIEW PROCESSING

• Conducts annual credit reviews on existing customer and re-review as requested by Regional Credit Manager.
• Confers with credit reporting agencies and other business representatives to exchange credit information needed in assessing the credit worthiness and viability of the customer
• Analyzes credit and financial statements of the customers to determine the degree of risk involved in extending credit.
• Compares liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and others.

CREDIT LIMIT/PAYMENT TERMS RECOMMENDATION

• Evaluates the customer’s records and recommends the credit limit and payment terms to be granted based on the company’s financial and non-financial status like earnings, sales, payment history/habits and purchasing activities.
• Determine if credit insurance is needed specifically for high risk countries.
• On-time and accurate updating of approved credit limit amount and payment terms in SAP.

SYSTEMS / PROJECTS / PROCESS DESIGN

• Engage actively in the new projects and support the establishing and implementing process optimization actions for the respective area. Identify inefficiencies to establish consistent process models for the legal entities in scope, while ensuring compliance with internal and external laws, rules and regulations.

MANAGEMENT REPORTING

• Assists in providing schedules for Statutory and audit requirements.
• Prepares Credit team monthly reports.
• Prepares and presents measurements result to stakeholders through monthly update of Credit Team KPI.
• Suggest and develop management reporting.

MANAGEMENT REPORTING

• Assists in providing schedules for Statutory and audit requirements.
• Prepares Credit team monthly reports.
• Prepares and presents measurements result to stakeholders through monthly update of Credit Team KPI.
• Suggest and develop management reporting.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

The employee has the authority to perform tasks as per JD.

The employee needs to follow the Quality and environmental policy where applicable

Employee should observe Lexmark’s policies and the Budapest Employee Handbook (for details see Budapest HR website).

EDUCATION & EXPERIENCE

• Bachelor's/University degree, preferable in Finance/Economics area
• Minimum 2-3 years proven work experience in O2C area
• Excellent written and spoken English language and Spanish language – Portuguese would be a plus
• Great communication and analytical skills
• Experienced SAP user for the required modules

SKILLS

• Positive and resilient individual who excels at all forms of communication
• Action oriented and pro-active, delivers results
• Customer and business focused, well organized
• Has great negotiation skills and able to handle stressful situations
• Power BI / Business Objects or Project Management knowledge would be a plus
• Should have the ability to work across teams and functions

How to Apply ?

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