Credit Analyst

Key Responsibilities

Credit Risk Assessment & Management

• Evaluate the creditworthiness of dealers and commercial customers.
• Analyze financial statements, including liquidity, leverage, EBITDA, and working capital.
• Assess customer exposure, profitability, and concentration risks.
• Recommend appropriate credit limits, payment terms, credit holds, or restructuring arrangements.
• Conduct periodic credit reviews and renewals.
• Ensure compliance with company credit policies and Delegation of Authority (DOA).

Accounts Receivable Monitoring

• Monitor customer receivables and credit exposure.
• Review 30/60/90+ day aging reports and identify overdue or high-risk accounts.
• Analyze DSO (Days Sales Outstanding) trends and identify causes of deterioration.
• Monitor accounts that exceed approved credit limits.
• Support the assessment and provision of doubtful accounts in accordance with applicable accounting standards.

Billing & Credit Controls

• Review billing accuracy, including pricing, VAT, and cut-off requirements.
• Investigate billing and receivable discrepancies.
• Review credit notes, adjustments, and account reconciliations.
• Coordinate with Sales, Finance, and other departments to resolve customer account issues.
• Support internal and external audit requirements.

High-Risk Account Management

• Investigate returned checks and chronically delinquent accounts.
• Assess financial and liquidity risks associated with high-risk customers.
• Recommend payment arrangements, additional security, or other risk-mitigation measures.
• Escalate significant credit exposures to management with appropriate recommendations.

Reporting & Analysis

• Prepare monthly Credit and Accounts Receivable reports.
• Monitor total customer exposure versus approved credit limits.
• Prepare aging and DSO analysis.
• Identify top customer/dealer exposures and over-limit accounts.
• Prepare supporting schedules for credit risk and doubtful account provisions.

Qualifications

• Bachelor’s degree in Finance, Accountancy, Economics, or a related field.
• 2–3 years of experience in credit risk, credit control, accounts receivable, or related finance functions.
• Experience in oil & gas, energy, trading, or high-volume distribution is an advantage.
• CPA is an advantage.
• Strong knowledge of financial statement analysis and credit evaluation.

Technical Skills

• Strong financial analysis and credit assessment skills.
• Knowledge of credit risk scoring and exposure management.
• Working knowledge of liquidity and working capital analysis.
• Knowledge of IFRS/PFRS impairment principles.
• Advanced Microsoft Excel skills, including PivotTables and financial analysis.
• Experience with SAP or other ERP systems is an advantage.
• Strong knowledge of AR aging and DSO analysis.

Core Competencies

• Analytical and detail-oriented
• Strong risk awareness
• Financial and commercial acumen
• Excellent problem-solving skills
• Strong communication and coordination skills
• High level of accuracy and attention to detail
• Ability to work with Sales, Finance, and Operations teams
• Strong reporting and data-analysis skills