Associate - Credit Assessment

This role is responsible for the risk assessment of customers and the establishment of credit limits, the analysis of the overall credit exposure, the recommendation of terms of credit and the negotiation and management of security necessary to support higher risk exposures. Approval of credit limits, within delegated authority and obtaining the necessary MOA approval for exposures exceeding authority, approval of risk categories, and release of blocked orders. Actively support the sales account holders in credit issues. Provide support to the Credit Assessment Supervisor/Manager/Country Credit Manager as required.

Accountabilities -

• Proven understanding of the assigned part of the administration and systems, as well as interfaces with related areas, to provide administrative support in handling specific queries, data verification and assisting in information gathering.
• Conducts analyses to solve standardized and/or repetitive information and data queries/problems.
• Works within well-defined and standardized procedures and practices and is supervised on progress and results by manager. Works autonomously within this defined scope with regular guidance from senior colleagues or own manager.
• Requires courtesy, tact and effectiveness in providing and obtaining information. To some extent will also need to use persuasion to obtain and understand the background of information and support internal stakeholders with specific information and/or query resolution.
• Identifies shortcomings in current processes, systems and procedures within assigned unit.
• Responsible for the risk assessment of customers, negotiating and managing security arrangements, establishment of appropriate credit limits with necessary MOA and the analysis of the overall credit exposure.R
• Responsible for the re-assessment of credit-worthiness of customers based on re-evaluation triggers, and timelines.
• Provide authorized approval for the release of blocked orders in respect of credit.
• Perform detailed financial analysis of customer financial statements for development of a risk profile of each customer using analytical results to establish credit limits within designated authority level and prepare analysis write-up to obtain necessary MOA for decisions exceeding designated authority level.
• Ensure compliance with Global Downstream Credit policy, OCM standards & SOX controls.
• Meet/communicate with customer’s senior financial and business leaders to establish understanding of customer’s financial condition and business model as needed to complete credit analysis and to negotiate security when financial condition does not support credit exposure.
• Manage security arrangements to ensure timely actions taken to renew or replace expiring security instruments.

Requirements -

• Ability to read and converse in Cantonese to ease business communication with stakeholders based in Hong Kong.
• Degree in Accounting or any related Finance/Business qualification or equivalent experience
• Good knowledge of financial statements
• Credit or OTC knowledge is an added advantage

Disclaimer

Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Royal Dutch/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell is an Equal Opportunity Employer.

For further information, and to apply, please visit our website via the “Apply” button below.

Candidates must be resident in Malaysia, or have the right to work in Malaysia.