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Form of workAs a Credit Analyst you will assist with managing the overall credit risk for a portfolio of domestic and international customers and report to the Director of Credit. Your responsibilities will include evaluating and monitoring the financial condition of potential and existing customers, monitoring account receivable’s balances and assisting with collecting those balances when needed, preparing and distributing reports, developing solid relationships with the sales team, keeping management informed on high-risk customers and/or changing risk environments, and assisting with special projects.
- Review counterparty information, including financial statements, to determine the overall risk profile and creditworthiness of the counterparty
- Conduct periodic reviews on existing customers and take the appropriate action based on the risk profile of the counterparty and the credit limit requested
- Provide stakeholders with clear credit advice and decisions on the counterparty’s risk profile and creditworthiness
- Build and maintain relationships with counterparties in order to support credit risk analysis
- Collaborate with the Risk and Commercial teams to understand and optimize risk/reward tradeoffs in counterparty relationships
- Partner with Legal, Finance, Operations, and Sales to bring issues, discrepancies, and disputes to resolution in a timely, efficient, and effective manner
- Communicate issues in an independent and timely manner with appropriate internal and external partners
- Demonstrate a high-level of judgement in collecting; balance the need to collect and secure with sales goals and relationships
- Partner with the Commercial team on their responsibilities related to the timely collection of accounts receivables
- Monitor the activities of accounts placed with collection attorneys and other third-party outsourcing agencies
- Stay informed on macroeconomic events that could affect Viserion businesses and customers, such as changes in agricultural markets, energy prices, inflation, and weather and political events locally and abroad
- Create and distribute accurate reporting on counterparty, mark-to-market and country risk
- Continuously seek out new ways to automate, streamline or eliminate tasks to improve processes
- Prepare ad-hoc reporting as-needed
- Execute other duties as required to provide cross-functional support
- Bachelor’s Degree in Finance, Business, Accounting or equivalent
- 7+ years of related experience in Credit and/or Risk Management, preferably in agriculture
- Experience implementing or supporting data analytics for a business
- Certification in Credit Management (NACM, other)
