Senior Credit Analyst, EMEA
Bucharest, Romania
2 zile în urmă

Applies advanced subject matter knowledge to solve complex business issues and is regarded as a subject matter expert. Frequently contributes to the development of new ideas and methods.

Works on complex problems where analysis of situations or data requires an in-depth evaluation of multiple factors. Leads and / or provides expertise to functional project teams and may participate in cross-

functional initiatives. Acts as an expert providing direction and guidance to process improvements and establishing policies.

Frequently represents the organization to external customers / clients. Exercises significant independent judgment within broadly defined policies and practices to determine best method for accomplishing work and achieving objectives.

May provide mentoring and guidance to lower level employees.

Responsibilities :

  • Uses financial statements to independently determine the financial condition of customers and decides credit limit recommendations (for highest monetary value customers.
  • Manages accounts of customers with the highest monetary value and highest risk that require independent judgment.
  • Interacts with customers of the highest monetary value and builds relationships with senior executives.
  • Resolves highly complex issues independently,; acts as an escalation point for more junior individual contributors.
  • Reviews credit recommendations of lower-level individual contributors for large customers.
  • Presents credit recommendations to EXEC3 level management at HP and at cross-function meetings.
  • Negotiates down payments with customers and HP sales staff to allow customer to purchase above their credit limit.
  • Represents HP at high level negotiations for large strategic deals.
  • Represents HP on a country or region level.
  • Works on cross-functional initiatives and dialogues directly with EXEC3 level management at HP.
  • Education and Experience Required :

  • First level university degree with a focus in business or economics; advanced degree in business preferred.
  • Typically 6-10 of experience in a credit function recommended, usually at a bank.
  • Knowledge and Skills :

  • Excellent written and verbal communication, negotiation, and conflict resolution skills.
  • Excellent accounting knowledge.
  • Excellent problem solving skills.
  • Strong computer skills.
  • Excellent prioritization skills.
  • Excellent understanding of risk mitigation tools.
  • Strong relationship building skills.
  • Strong influence skills.
  • Strong project management skills.
  • Good leadership skills.
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