Credit Analyst
Nasser Bin Khaled
Total des années d'expérience :14 years, 10 Mois
- Assess and evaluate credit applications of all types of customers (Corporate, SMEs, and Private Individuals) credit limit and financing requests within the prescribed decision turned-around time.
- Analyze various Qualitative and Quantitative Data (including bank statements, financial statement, Credit Bureau Reports and other relevant documents provided by customers to support the request) to determine the degree of risk in the granting or underwriting of Credit according to Group Credit Policy and Procedures.
- Gather relevant internal and external data and perform necessary due diligence procedures relevant to support the underwriting of Credit which includes but is not limited to phone verification and site visit.
- Carry out timely and relevant communication between Credit and Sales as well as ail other parties involved in the approval process.
- Document results of the credit review by drafting a comprehensive and detailed Credit Report highlighting the results of the assessment and the recommended decision.
- Underwrite / Approve credit requests within the role's approval authority or initiate the escalation of a credit request to a higher approving authority detailing requested exceptions if any Department's recommendation, based on the results of the assessment.
- Ensure that credit reports. relevant deal documents as well as approvals are properly archived (hard and soft copy) and are orderly managed based on standards set by the Department.
- Prepares department’s reports on a monthly basis (Portfolio, Workload Analysis, and other special reports as requested).
- Evaluate and approve after sales LPO request/credit facility request based on customer’s purchase history, payment behavior, and overdue balances.
- Gather data for internal audit through a variety of methods including interviews, financial research, etc.
- Review and analyze data gathered through investigations, verifications, undertaking sample tests, and preparations of summary schedules
- Assess the reliability and integrity of financial information and the means used to identify, measure, classify, and report such information
- Review the established systems to ensure compliance with those policies, plans, procedures, laws and regulations which could have a significant impact on operations and reports
- Performs routine procedures such as balance confirmation of receivables, inventory count, fieldwork, etc.
- Assist in the development of documentations for the enhancement of policies and procedures for through reviewing the current processes and procedures related to Internal Controls implemented, its weaknesses, and control gaps.
- Prepares timely audit reports for the review and comments of executive management which entails the list of audit findings, control gaps identified, and the recommended action points necessary to improve the operations
- Communicates results of internal audit to appropriate person
- Provide adequate follow-up to make sure that adequate corrective action is taken and that it is effective
- Performs other duties as assigned and directed
i. COSTING
Processes the invoices which involves reviewing and troubleshooting (Manpower, Vendor & Technical Support, Materials Purchased, and Freight)
Communicates with the Accounts Department and Vendors regarding the reconciling items and answers queries
Updates and Maintains the overall log for the invoices and MAC (Milestone Acceptance Certificate)
Handles the Contractors Request for Milestone Acceptance Certificate
Estimates funding required for New Contracts and Change Order
Prepares the Monthly Cash Call
ii. CONTRACTS & PROCUREMENT
Prepares the Contract Work Order (CWO) and Services Request Form (SRF) which involves verification
Generates transmittal letter for warranty claim and CWOs (Contract Work Order)
Assists in making a correspondence to the contractors
Monitoring the number of MOCs (Management of Change) approved and closed for the weekly reports
Maintains a system of updating and monitoring different forms of documents for control purposes and keeping files (electronic and hard copy)
Corresponds with the vendor for the quotations and materials delivery/receipt
Creates and Updates Contracts in SAP
iii. ADMINISTRATIVE WORKS
Routes & Monitors documents for approval
Distribute the electronic copy of Executed CWOs (Contract Work Orders) for SAP Updates
Schedule appointments and arrange meetings
Interact with IT personnel in relation to IT concerns including but not limited to: Deactivation of User Accounts, Request/Return of IT Equipment, Networks problems, and Workflows Issues
Handles the request for General Services
Other duties as needed and directed
Monitors the suppliers’ accounts
Prepares the Accounts Payable Voucher
Validate the supplies’ unit price
Supervise the accounts and loans of the employees
Processes the Cash and Check Vouchers
Prepares monthly report of checks issued, tax withheld from consultants & doctors, VAT and suppliers’ Certificate of Withholding Tax
Filing of deposits slip, stale checks, and suppliers’ invoices and receipts.
- GPA 94% - CPA Board Passer - Cum Laude - 2008 Class Valedictorian - Academic Excellence Awardee - Nominee for Outstanding On the Job Training student