Credit Risk Analyst at TotalEnergies

Job Description

• As a Credit Risk Analyst, you will be responsible for the following activities : 

Controlling and Reporting

• To perform risk assessments on new customers (prior to entering into any Commercial relationship) based on Internal (e.g. Sales projections) and External information (e.g. Financial statements).
• To perform risk assessments on existing customers in line with the Credit Risk policy and procedure.
• To ensure all major credit limit queries are resolved prior to the review being submitted to Credit Risk Manager for approval.
• To evaluate and propose security to be offered by client.
• To prepare credit recommendations on risk assessments performed, according to the specified format.
• To communicate credit limit review decisions to the Sales Team.

Reporting

• To extract a report to reflect compliance to Credit limit approvals and provide this on an agreed period to the Credit Risk Manager.
• To assist with preparation of provision and WCR reporting calculation when required
• To assist with preparation of net overdue after provision and credit limit report on a monthly basis.
• To assist with preparation of Credit Committee presentation.
• To assist with quarterly reports Accounts Receivables prepares for General Accounting.

Business developments

• To implement and maintain a credit risk watch list.
• To implement improvements on the credit vetting process.

Candidate profile

As a Credit Risk Analyst, Ideally you will possess the following : 

• B Comm degree is a requirement
• Understanding of Commercial Law
• Ability to analyse financial statements
• Three (3) to Five (5) years corporate working experience, would be advantageous
• Petroleum Industry experience would be an advantage
• Knowledge of: Accounts Receivable module of SAP, report writing, Microsoft Products, Risk and relevant legislation such as NCA and CPA.
• Key competencies required: Deciding and Initiating Action, Adhering to Principles and Values, Analysing, Planning & Organising and Meeting of Customer expectations