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Job Description Summary
The Credit Analyst provides the primary credit risk analysis (quantitative and qualitative) and credit recommendations for new and existing customers, influences credit policy and procedures within Asia, and is responsible for administering the Companys Credit Granting and Administration policy. The Credit Analyst works in a cross-functional environment and is the primary credit interface with Business Area Sales Managers and Sales reps, Customer Service, Collections, and Corporate Treasury. The Credit Analyst will have direct interaction with the external customer relating to financial analysis matters, e.g. customer financial statement requirements. The Credit Analyst manages SAP blocked customer orders, i.e. determine the reason for the blocked order as it pertains to past due A/R, exceeding of credit limits, and releases the order(s) as appropriate.
This position requires strong analytical and communications skills, the ability to present concise credit recommendations to business managers.

PRINCIPAL ACCOUNTABILITIES
Perform credit evaluation of customers and extend credit limit / payment term in line with company's policies and guidelines.
Accurately research and review credit histories of new and existing customers and append the respective credit risk rating profile in SAP
Present, organize, and convey problems or issues within and across other functions and within the organization, considering the business needs.
Support the business by providing alternative credit & collection solutions consistent with Air Products credit granting and administration policy.
For customers with credit violation, to evaluate the credit and collection risks based on the latest information available such as payment history, dispute on outstanding invoices, overdue status and Follow-Up Action Notes, etc. and to approve deliveries to credit worthy customers by performing credit block releases in SAP
To exercise judgment based on defined practices and policies, weigh the options available and recommend the appropriate course of actions to the businesses.
Review and take appropriate follow up action with the commercial sales, customer service and AR technicians.
Maintenance and proper filing of business information of customers
Gather necessary information for credit reviews when appropriate (banks and trades, credit reports, and information from the Internet, etc.) including the input of financial data on the analysis spreadsheet.
Support the process for calculating and recording the monthly reserve for bad debts
KNOWLEDGE AND EXPERIENCE REQUIRED
Ideally, a degree or diploma in Business Administration, Finance or Accounting
At least 2+ years related experience in credit management involving credit assessment, evaluation of credit risk and collection experience in a high transaction industry and in a multinational environment. (2-5 years related experience for entry level and 5-9 years of related experience for an experienced analyst)
Very strong analytical skills. Meticulous and very strong attention to detail
Experience in SAP ERP system or other ERP system, Business Warehouse, Reporting
Competent in trade finance, documentation and risk mitigation tools with good knowledge of various payment instruments like Letters of credit, sight drafts, import/export documentation pertaining to trade finance, promissory notes and understand business issues in the region will be an advantageJD ATTACHED