Senior Analyst - Credit Underwriting

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What is the Role?   

As a Snr Analyst – Credit Underwriting you will be responsible for performing credit underwriting activities for Shell Operational Units (OUs) under Finance Operations.   

The role requires strong level of ownership and involves maximizing commercial opportunities where credit can play a part in delivering strong margins whilst taking acceptable credit risks. This will require creating very good working relationships with the local Credit, Customer Operations and Sales Teams.

Principal Accountabilities:

Manage Credit/Risk Underwriting

• Responsible for the efficient and effective management of credit risk, including management of high- profile and risk portfolio   

• Responsible for providing authorized approval for release of credit blocked orders and taking credit decisions. 

• Providing assessment of a customer credit risk and recommending terms of credit  

• Performing detailed financial analysis based on customer financial statements for development of a risk profile of a customer 

• Analyzing the overall credit exposure 

• Providing authorized approval for continuing deliveries to customers in case of overdue or credit limit exceeding 

• Negotiating and managing securities necessary to support higher risk exposures based on a risk reward approach 

• Resolving credit enquiries and complaints from customers 

• Communicating with internal and external customers in a professional, assertive, and efficient manner 

Accounts Receivable 

• Drive resolution and support Debt Management Analysts in resolution of cases related to overdue  

• Keep up-to date on issues by holding regular discussions with other Credit functions 

• Regularly and on ad-hoc basis MI information about the managed portfolio. 

General  

• Provide interpretation of policy and guide fewer senior colleagues on the principles of sound credit management.  

• Ensure compliance with MOA and DCM/OCM and take responsibility for Audit coordination and business control reviews.  

• Act as Team Lead support and go-to person for most complex operational matters  

• Implement cross-border credit strategies and contribute/manage high profile projects which involve delivering presentations to very senior internal/external stakeholders.      

• Demonstrate CI mindset and Shell core behaviors while performing the assigned activities 

Required Skills and Experience:

• Degree/qualifications in Accounting/Business preferred; a professional degree required 

• Minimum 5 years of experience in credit management and underwriting

• Proven  experience in credit and balance sheet analysis  

• Sound understanding of Financial processes 

• Must have experience in a multi-national company – preferably in Shared Services environment 

• Exhibits excellent English communications skills (written and oral) 

• Good knowledge of controls framework 

• Ability to work under high pressure an in a rapidly changing environment. 

• Positively engages with others to improve business processes and performance where necessary  

• Strong interpersonal and communication skills, persuasive and firm in discussions (internal and external discussions)  

• Results focused team-player, with excellent communication skills and strong drive  

• Strong analytical skills and strong problem-solving skills     

An Innovative place to work

There’s never been a more exciting time to work at Shell. Everyone here is helping solve one of the biggest challenges facing the world today: bringing the benefits of energy to everyone on the planet, whilst managing the risks of climate change.

Our business has been built on a foundation of innovative technology and skilled employees. By providing energy to sustain people’s lives for more than a hundred years, Shell has become one of the world’s leading companies.

Join us and you’ll be adding your talent and imagination to a business with the ambition to shape the future. At Shell, everyone does their part.

An Inclusive place to work

Shell is working to become one of the most diverse, equitable, and inclusive organizations in the world. We are taking steps to create an environment where everyone – from our employees, to our customers, partners, and suppliers – feels valued, respected, and has a strong sense of belonging.

To achieve this, we must ensure all people are treated fairly, irrespective of their race, color, religion, age, gender, sexual orientation, gender identity, marital status, disability, ethnic origin, nationality, or other status.

To power progress together, we need to attract and develop the brightest minds and make sure every voice is heard. Here are just some of the ways we are nurturing an inclusive environment – one where you can express your ideas, extend your skills, and reach your potential.

We’re closing the gender gap – whether that’s through action on equal pay or by enabling more women to reach senior roles in engineering and technology.

We’re striving to be a pioneer of an inclusive and diverse workplace, promoting equality for employees regardless of sexual orientation or gender identity.

We consider ourselves a flexible employer and want to support you finding the right balance. We encourage you to discuss this with us in your application.

A rewarding place to work

Combine our creative, collaborative environment and global operations with an impressive range of benefits and joining Shell becomes an inspired career choice.

We’re huge advocates for career development. We’ll encourage you to try new roles and experience new settings. By pushing people to reach their potential, we frequently help them find skills they never knew they had, or make career moves they never thought possible.

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