Credit Analyst

MISSION :

To assess debtor risks and ensure the portfolio of debtors is with up-to-date information. Control and optimize internal resources and access to external sources to meet strategic objectives. He/she liaises with Underwriters in order to maintain coherence between the DRA and the risk exposure.

MAIN RESPONSIBILITIES:

Enhanced Information handling:

• Handle worklist tasks out of the automatic workflow in a timely and efficient manner ensuring SLA’s are respected.
• Process added value tasks linked to worklists and e-mail exchange with Underwriting.
• Create “classical enquiry orders” upon request from Underwriting.
• Check source scores and consistency of Debtor Risk Assessments (DRA D & E) and adapt if necessary (DRA C)
• Write DRA reviews in which conclusions are drawn and that recommendations are clear and precise. Exchange with Underwriting on DRA consistency and decide on necessity of corrective actions.
• Research additional information, such as press information, where required.
• Achieve target objectives in respect of production and review of DRA.
• Support Coface regional development and enhance the underwriting capabilities by performing financial and field analysis and providing a fair credit risk rating.
• Network and communicate to build market relationships and industry knowledge about key industry sectors and make sector studies and research that aim at improving sector expertise.
• Monitoring and compiling industry data and related news.
• Develop Country reports and macro-economic studies.
• Perform physical visits for key buyers.  
• Perform regular checks on the quality of the production of the department.   
• Working closely with information providers to monitor the response time and the quality of the information provided to Coface through its partners.
• Performing reports and other duties assigned by the management.

Communication

• Contact companies and carry out phone interviews to obtain financial and business information in order to assess their current situation.
• Liaise with local information provider (reviews, inquiries,).
• Pro-actively build and maintain good working relationships with underwriting and information colleagues.
• Communicates to underwriters’ requests and highlights any adverse information which is relevant to a review of exposure, particularly when a DRA is downgraded and exposure is significant.

Compliance:

• Ensure compliance with regulations and procedures as laid down by Coface and external regulators.

Education:

• Graduate/Post graduate required with a concentration in Finance or equivalent.

Experience:

• Minimum 3 years’ work experience in the financial field desirable (Banking, financial services or credit department).
• Proficient with Microsoft Office Applications: Outlook, Word, Excel.

What Coface Offers

• Competitive executive compensation
• Flexible working model after probation
• Career opportunities: Opportunity to build your career (both locally and internationally) in a large global company, one of the world leaders in its field
• A dynamic, inclusive, and growth-oriented work environment.
• Health care coverage