Job Description

Job Summary

This role is responsible for independently assessing the financial status of medium-value customers and determining credit limits. The role manages medium credit limit customer accounts, negotiates payments, and resolves credit-related matters. The role conducts analyses, resolves disputes, and collaborates to devise strategies for preventing delinquencies, while leading complex projects and supporting operational plans.

Responsibilities

Utilizes financial statements to independently assess the financial status of medium monetary value customers and determines credit limit recommendations. Manages accounts of customers with medium credit limits independently, resolves credit-related matters, and presents credit recommendations to management. Negotiates on initial payments with customers and organization's sales personnel, facilitating purchases beyond credit limits. Conducts thorough analysis and research on customer receivables account delinquencies, selecting appropriate communication methods to facilitate payments. Resolves disputes pertaining to customer payments on overdue accounts independently, skillfully negotiating and ensuring prompt payments. Identifies trends of non-payment and collaborates with internal partners across various levels to address and rectify issues. Initiates the dispute resolution procedures with internal organization's counterparts, ensuring thorough issue tracking and resolution for both the organization and the customer. Analyzes customers at risk and collaborates with partners to devise effective account strategies for averting delinquencies. Solves difficult and complex problems with a fresh perspective, demonstrating good judgment in selecting creative solutions and managing projects independently. Leads moderate to high complexity projects, delivering professionally written reports, and supports the realization of operational and strategic plans.

Education & Experience

Recommended

Four-year or Graduate Degree in Business Administration, Economics, Finance, or any other related discipline or commensurate work experience or demonstrated competence. Typically has 10-15 years of work experience, preferably in collection, credit, banking, or a related field or an advanced degree with work experience.

Preferred Certifications

Certified Accounts Payable Professional (CAPP) Certified Professional in Credit and Collections (CPCC)

Knowledge & Skills

Accounting Auditing Credit Analysis Credit Risk Credit Risk Management Data Analysis Due Diligence Economics Finance Financial Analysis Financial Services Financial Statements Loans Marketing Portfolio Management Risk Analysis Risk Appetite Risk Management SQL (Programming Language) Underwriting

Cross-Org Skills

Effective Communication Results Orientation Learning Agility Digital Fluency Customer Centricity

Impact & Scope

Impacts multiple teams and may act as a team or project leader providing direction to team activities and facilitates information validation and team decision making process.

Complexity

Responds to moderately complex issues within established guidelines.

Disclaimer

This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.

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