Accounts Receivable Professional

1. IDENTIFICATION OF THE JOB

Given name: Credit Analyst

Reports to:  Supervisor of Credit and Collection LATAM

Business Unit: Vestolit

Country: México

Ubication: Sentura

Department: Finance  

Grade: 14

Date of last revision: 

2. GENERAL PURPOSE

The credit analyst manages the timely analysis of customer financial statements, informing customers of their debt and the need to update their financial information, to achieve a line of credit necessary to their credit purchases. Reduce risk exposure by maintaining credit coverage. Analyze customer financial statements to determine the feasibility of granting internal coverage.

3. DIMENSIONS OF THE JOB,

1. Provide support to the business for the management and handling of accounts with customers, evaluating their financial statements.
2. Adequate management of financial ratios that allow us to analyze the financial situation of a client.
3. Interact with clients and the insurance company to obtain, review and analyze financial statements.
4. Back up on income activities. Only in posted payment

Responsibility: ($):

Computer hardware

Decision making:

1. Financial statement analysis
2. Activities related to the credit and collection area.

Risk level (administrative, executive, managerial, operational):

1. Administrative

4. Scope,

Local. Follow-up on the request of financial information to customers, located in different places, to ensure that all credit sales have an approved credit line, either by the insurance company or by the Management.

Local. Liaise with other colleagues and customers in the same country.

5. Main responsibilities,

• Establishes agreements with customers, maintains a detailed record of all movement activity on customer lines of credit.
• Understanding what guarantees we can request from customers to justify the granting of a line of credit.
• Analyzing and assessing the creditworthiness of client account using credit risk management tools/reports.
• Monitors accounts receivable aging reports and contacts delinquent customers for payment
• Interacts and communicates effectively with customers, colleagues, sales personnel and management regarding credit issues, policies, and procedures to insure mutual understanding and positive outcomes.
• Posts payments and credits them to customer and intercompany accounts.
• Download payments received by customers in bank 2 times per day

With whom?

What for?

Commercial

Updating the status of customers with respect to their credit line.

Credit and Collection Executives

Notification of accounts that have no credit line available.

Audit

Support by providing approved credit coverage support

Who?

What for?

Customers

Request for financial information

7. Scholarship (20%)

Minimum: Bachelor's degree in Administration, Business Administration, Finance

Degree: Graduate

Desirable: Master's Degree in Administration, Finance

8. KNOWLEDGE (15%)

EXPERIENCE (50%)

Strong knowledge and experience in key business areas:

Customer service

Perform financial analysis for the granting, administration and recovery of loans. Evaluate clients' payment capacity and credit scoring.

Required

Use of Microsoft´s system very well, particular:

Excel to make pivot tables

Power Point, to made presentations

Bilingual, customer collections in English

Desirable:

Visio, to make process flows

ERP: SAP

Experience: 

• - 2 to 5 years of experience in finance, credit in similar companies of national or international scope.

Skills:

• Data Analytics
• Project management
• Common operating systems
• Negotiation
• Goal setting.
• Planning.
• Decision making.
• Strategic planning.

Willingness to travel: No

9. Language

• Advance English -Preferred

Place an X on the competency level to which this position relates:

 Individual contributor       People leader       Senior leader

The Orbia Talent Model describes the key actions required to perform the job-by-job level (individual contributor, people leader or senior leader) for each competency. Keeping in mind that all of the competencies listed below are necessary to perform the job successfully, place an X in the right-hand column for no more than 5 competencies from the full list that, for this specific position, are considered critical to performing the job with superior results.

*Leadership competencies applicable only to Team and Senior Leaders.

• Integrity
• Passion for Results
• Operational Excellence
• Customer Orientation
• Innovation
• Teamwork
• Embracing Changes
• Decision-making
• People Leadership *
• Leading Change *

*  Only for people leaders

11. ADDITIONAL INFORMATION (Provide brief details of any significant variations or additions to the Principal Responsibilities)

12. NAMES AND SIGNATURES

Name and job title

Date

Name and job title

Date