Credit Officer (SCG International)

Responsibilities:

• Analyze the credit risks of both domestic and international customers by evaluating financial statements, payment history, monthly sales, and business trends.
• Secure appropriate collateral to support sales and mitigate credit risks, including but not limited to Bank Guarantees, Trade Credit Insurance, and Back-to-Back arrangements.
• Develop and continuously enhance an efficient credit approval process.
• Monitor and control overdue accounts, and coordinate with relevant departments to resolve long-outstanding receivables.
• Prepare reports and supporting documents for monthly credit committee meetings.
• Identify and implement alternative payment channels to support the company's evolving business models.
• Provide advice and consultation on payment channels and methods to mitigate risks related to defaulting debtors.

Qualifications:

• Bachelor's degree in Accounting, Finance, or a related field. (Minimum GPA of 2.70 for a Bachelor's degree and 3.30 for a Master's degree)
• Good command of English, with a TOEIC score of 550 or above, or English proficiency at B1 level or higher (If no test score is available, the test can be taken later).
• 0-3 years of relevant experience as a Credit Analyst or Credit Officer in a trading business.
• Strong understanding of credit assessment, collateral evaluation, and repayment capacity analysis to ensure effective risk management.
• Ability to perform credit evaluation and monitoring to minimize potential credit losses.
• Demonstrated capability to support business continuity and ensure efficient loan processing through accurate and timely credit assessment.