Credit Risk Specialist

Company description:

Even if you're not familiar with our name, you've almost certainly heard of our billion-dollar brands like Cadbury, Milka, Prince and Oreo. Developing the world's favorite snacks, we're passionate about creating delicious moments of joy for people all around the world. Working at Mondelez International is all about the power of big - and small. Why big? Because we're the world's leading maker of Chocolate, Biscuits, Candy and Gum. We're ranked #1 in chocolate, biscuits and candy, and #2 in gum. What's more, we employ over 100,000 people worldwide and market products in around 165 countries. Why small? We go out of our way to hear everyone's point of view, and develop local roots wherever we go. It's this combination of big and small that drives everything we do.

Job description:

We have an exciting opportunity that has arisen for a Credit Risk Specialist working within our iconic Bournville location.

The successful candidate will assess and continually monitor the credit worthiness of a portfolio of customer accounts by the analysis of financial information and the regular visiting of those customers.

Purpose of the role: To assess and continually monitor the credit worthiness of a portfolio of customer accounts and reporting to the Customer Service Finance Manager those customers representing a higher than normal credit risk in the U.K. and Ireland Market.

Main responsibilities:

•Review customer financial statements annually, bi-annually, quarterly or monthly as applicable, by way of using in-depth scorecard analysis and making credit decisions.
•Report the results of the analysis to the Customer Service Finance Manager, making recommendations which minimise the risk.
•Authorise credit limits and orders to be released over the threshold assigned to Mondelez Business Services and within the approved authorisation matrix for the UK, Ireland and ROW.
•Recommend additional security to protect the business interest.
•Liaise with Commercial and Customer Finance on matters of credit risk.
•Visit customers in the U.K and Ireland to discuss at Director Level, their financial statements and obtain background information.
•Report on credit risk issues via the monthly KPI report to senior managers, which the Senior Analyst will compile and maintain.
•Support activities associated with internal reports as well as support project implementation.
•Handles workflow, escalations and contact sales / other stakeholders and customers to support resolution of issues.
•Ensure that all customers comply with our Terms and Conditions of Supply.
•Maximising the return in doubtful debt situations, including negotiating with administrator/Customers in granting access to premises to execute our Retention of Title clause.
•The attendance at court when a claim is made, dealing with Administrators and Solicitors of insolvent businesses.
•Attend credit circle meeting as directed by the Customer Service Finance Manager.

Required profile:

Essential

•Degree level education is required (PQ) ACCA/CIMA OR ICM
•Effective business partnering
•Effective communication to varying audiences
•Conflict and relationship management
•Good numerical, analytical and logical reasoning skills
•Hands on experience in Microsoft office applications Experience in a customer facing role
•Must be fluent in English (both written and spoken)

Preferred:

•Competence with use of SAP
•Experience in FMCG company
•Experience in order to cash environment

What we offer:

We pride ourselves on having a high performing and collaborative culture where we offer support and development to enhance your career and develop your knowledge and skills. In return for your commitment, drive and enthusiasm, we offer an attractive benefits package within a highly successful International business that offers financial rewards and resources, including bonus scheme, contributory pension, life assurance, generous holiday allowance and a flexible benefits programme.