Your tasks The Credit Specialist is responsible for conducting comprehensive credit assessments as well as setting appropriate credit limits for customers. This includes a thorough analysis of financial data to measure and evaluate the inherent risks associated with granting credit to customers best possibly. Financial Analysis Conduct a thorough analysis of the financial statements of companies to evaluate their financial health which includes examining income statements, balance sheets, cash flow statements, and other relevant financial dataRecognize potential problematic situations and escalate them to the Team LeadCredit Risk ManagementCollect relevant information about customers, business climate, sector development from public and other sources.Perform manual credit assessments or review & revise the system-generated credit proposals, if neededCollect requests coming from the business and evaluate the need to modify the credit limits previously assigned. Create credit limit applications, take credit decisions, and approve credit limits in the system.Proposal for write-off / bad debts provisionPreparation of payment term applicationsSupport business during negotiation on specific payment terms requests from customers and check financial clauses / invoicing requirements.Shipment release/monitoring in the ERP against credit limit blockPeriodic Review and Monitoring Evaluate and analyze changing market conditions that may impact the creditworthiness of specific customers or industries.Foresee potential changes of or impact on credit limits due to economic fluctuations within a country and propose suitable strategies to mitigate risks for the company.Consider other changing conditions that may influence credit risk.KPI reporting and monitoring.Compliance and Regulatory AdherenceEnsuring compliance with regulatory requirements and internal control procedures Requirements More than 3 years of working experience in a Credit Management function, preferably in an international environmentBachelor's degree in finance, Business Administration, Accounting or similarExcellent English skills in spoken and written formKnowledge of Dun & Bradstreet (D&B) methodology and SAP FSCM is beneficialStrong capability to analyze financial data and interpret financial statements, knowledge of credit risk, balance sheet analysis, financial exposure, credit research systems and procedures, credit scoring systems, and Microsoft Office SuiteProven analytical skills and solution-oriented approachConclusive and economical thinkingSelf-running and ability to work in a team environmentStrong IT skills ( PowerBI, RPA platforms, SAP FSCM) and the drive to digitalize or automate processesAbility to analyze and evaluate financial documents and dataEffective verbal and written communication skills to present evidence from credit analysis and interact with relevant stakeholdersProficiency in making informed decisions based on financial analysis Our offer The Credit Specialist is responsible for conducting comprehensive credit assessments as well as setting appropriate credit limits for customers. This includes a thorough analysis of financial data to measure and evaluate the inherent risks associated with granting credit to customers best possibly.