Credit Analyst- Hong Kong
Set credit guidelines for their respective areas of responsibility to meet business objectives & control Accounts Receivable risk exposure.
Evaluate customers and country risks within the guideline of the credit policy.
Understand and ensure compliance with established credit standards, policies, and procedures and monitor credit exposures.
Contribute to optimize the working capital of the Enterprise by efficient Account Receivable Management, in conjunction with the Business, Sales and Finance groups.
Implement the global credit strategy in the respective areas of responsibility
Roles & Responsibilities
Maintaining an efficient risk management system including business and country risk - for the customers company’s portfolio in order to allow and steer prompt decision making.
Working co-operatively with Business and Sales Management to assess credit worthiness of customers.
Preventing, reducing and managing credit losses when occurred.
Consulting business and sales on developing business in markets / customers with high credit risk.
Propose and implement long term solutions with problematic or high maintenance customers.
Support Credit Assistants in managing cash collection, cash activities (EU and US only)
Developing financial strategies to reduce / hedge exposure at customers / markets with high credit risk.
Participate and / or lead credit related projects.
Represent LBI’s credit department at congresses / credit associations / credit events.
B / A in Finance / Economics / Business Administration
At least 3 years’ experience in a credit function
Good understanding of computer systems and software (particularly SAP).
Analytical skills with the ability to propose creative ideas to conduct business in risky environments.
Good interpersonal, communication, reporting and presentation skills.
Ability to work in a team in a multinational environment.
Proactive, able to take initiatives as well as to take quick decisions based on calculated risks.
IT literate : Solid grasp of Microsoft Office applications and knowledge of SAP is a pre.
Strong work ethic and ability to work in a fast-paced environment.
Fluent in spoken & written English, Mandarin and Cantonese.
Critical Competencies / Behaviors
Unquestionable, Impeccable Ethics and Integrity : will not waiver from doing the right thing under any circumstances; objective at all times and in all situations, always operates free from bias.
Decision Quality : makes good decisions based upon a mixture of analysis, wisdom, experience, and judgment; most of his / her solutions and suggestions turn out to be correct and accurate when judged over time;
sought out by others for advice and solutions.
Drive for Results : can be counted on to exceed goals successfully; is constantly and consistently one of the top performers;
very bottom-line oriented; steadfastly pushes self and others for results.
Negotiating : can negotiate skillfully in tough situations with both internal and external groups; can settle differences with minimum noise;
can win concessions without damaging relationships; can be both direct and forceful but also diplomatic; quickly gains trust of other parties to the negotiations;
has a good sense of timing.
Excellent verbal and written communication skills; able to communicate clearly and concisely, both in written and verbal formats, within a multi-cultural environment;
High intelligence, focus, energy and drive, professional sophistication, detail and results oriented and able to perform well in a fast-paced, rapid-growth environment where there is a continuing commitment to the highest quality of operations and staff.
Competencies Builds effective teamsCollaboratesCultivates innovationCustomer focusDemonstrates courageDrives resultsEnsures accountabilityInstills trust and exemplifies integrity