Senior Associate Credit Analyst

4 weeks ago

กรงเทพมหานคร, Thailand NTT DATA Full time

**Make an impact with NTT DATA**
Join a company that is pushing the boundaries of what is possible. We are renowned for our technical excellence and leading innovations, and for making a difference to our clients and society. Our workplace embraces diversity and inclusion - it’s a place where you can grow, belong and thrive.

**Your day at NTT DATA**

This role involves analyzing financial data, credit reports, and other relevant information to determine the risk associated with extending credit terms to external parties.

Working under the supervision of a manager, this role collaborates with the relevant cross functional teams to ensure sound credit decisions, the minimization of credit risk, and maintenance of healthy financial relationships with clients.

**What you'll be doing**

**Key Responsibilities**:

- Analyzes financial statements, income statements, balance sheets, cash flow statements, and tax returns to evaluate the financial health of clients.
- Utilizes credit scoring models and/or credit analysis techniques to determine credit ratings and provide recommendations for credit approval or rejection.
- Ensures compliance with relevant credit policies, credit terms, and guidelines.
- Prepares comprehensive credit analysis reports, including key findings and risk assessments, for presentation to relevant stakeholders.
- Communicates credit decisions to relevant stakeholders explaining credit terms and conditions, and handling credit-related inquiries.
- Regularly monitors existing client accounts, conducting credit reviews, and recommending credit limit adjustments as necessary.
- Stays informed about the IT industry and market trends that may impact clients' credit risk.
- Maintains accurate and up-to-date credit files and documentation for each client.
- Performs any other credit analysis duties as required by the role.

**Knowledge and Attributes**:

- Good interpersonal skills with the ability to engage with clients in a professional and tactful manner.
- Excellent attention to detail with the ability to produce high quality work.
- Good verbal and written communication skills.
- Deadline driven with the ability to cope with stressful situations and different personalities.
- Ability to take own initiative and have a solutions-orientated approach.
- Proactive approach with the ability to think ahead in a fast-paced environment.
- Strong analytical skills with the ability to understand underlying business drivers and provide actionable insights.
- Knowledge of accounting practices and principles.
- Good understanding of financial statements, credit analysis, and risk assessment methodologies

**Academic Qualifications and Certifications**:

- Bachelor's degree or equivalent in Finance, Accounting, Economics, or a related field preferred.

**Required Experience**:

- Moderate level of experience as a Credit Analyst or in a similar financial analysis role is preferred.
- Moderate level of experience with accounting software.
- Moderate level of experience within finance in a company with international operations.
- Some relevant experience working with large corporate clients.

**Workplace type**:
On-site Working

**About NTT DATA**

**Equal Opportunity Employer

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