Credit Risk Analyst

hace 5 meses

San Antonio, Costa Rica Stryker A tiempo completo

**Why finance at Stryker?**:
***:
Are you looking for a profitable and growing company with a great culture and reputation? Stryker was recently named one of the Best Workplace in the WORLD by Fortune Here, you will have many opportunities to learn and grow as we offer development opportunities unique for each employees needs including training, certifications, mentorship, leadership programs, tuition reimbursement, one-on-one coaching and more

**Who we Want**:

- ** Analytical problem solvers. **People who go beyond just fixing to identify root causes, evaluate optimal solutions, and recommend comprehensive upgrades to prevent future issues.
- ** Goal-oriented**:Keeping the customer and requirements squarely in focus, people who deliver safe and robust solutions.
- ** Collaborative partners.** People who build and leverage cross-functional relationships to bring together ideas, information, use cases, and industry analyses to develop best practices.
- ** Dedicated achievers.** People who thrive in a fast-paced environment and will stop at nothing to ensure a project is complete and meets regulations and expectations.
- ** Detail-oriented process improvers.** Critical thinkers who naturally see opportunities to develop and optimize work processes - finding ways to simplify, standardize and automate.

**What you will do**:
The Credit Risk Analyst will be responsible for risk management activities, financial analysis, approving new customer’s credit limits, making sound decisions related to order release for complex situations with customers showing past due debt in their account statement and/or with implicit financial risk. They will contribute to the overall management of credit risk, recommending allowances for doubtful accounts, performing analysis and financial review of high risk & strategic customers, providing risk reporting.

This is a Shared Services role related to standing up the Finance One optimization program.

**Essential duties & responsibilities**:

- Evaluates credit data and customer’s financial statements, in order to determine the credit worthiness of the company, assuring controls and adherence to the Stryker Credit Policy
- Experience interpreting Credit Bureau reports (for example Experian, Dun, Bradstreet) to update customer master records
- Perform both new account, ad-hoc and periodic review of customer’s credit limits
- Properly manage the Credit Hold process, protecting cash flow and minimizing losses
- Work together with legal department and collections teams the Foreclosure and Bankruptcy processes
- Review orders on ‘credit hold’ and evaluate criteria for release decisions
- Review customer credit performance in detail and aggregate to assist with preparation of the bad-debt provisions
- Give support on proposals of balance write offs
- Maintain quality relationships with sales and customer service teams to assist with gathering information on credit decisions
- Work with other Invoice to Cash teams to help resolve differences and improve processes
- Maintains documentation to support A/R transactions and facilitate the efficient review and audit of books and records
- Comply with all internal control procedures to ensure accurate financial record
- ** Education & special trainings**:

- Bachelor’s Degree in Business Administration, Industrial Engineering, Accounting, Finance or related field
- Intermediate level of MS Office Suite
- Fluent spoken and written English. Portuguese is a plus
- Experience on finance related systems, (Oracle and SAP systems knowledge are a big plus).

**Qualifications & experience**:

- At least 2 years of relevant working experience in a finance function in National or Multinational company.
- Preferably previous experience analyzing Financial Statements

**Physical & mental requirements**:

- Ability to work well with cross-functional teams and multi-task
- Good communication (verbal and written) and interpersonal skills, attention to detail and ability to communicate complicated issues effectively
- Demonstrated ability to perform consistently under varying business pressure as well as ability to adapt to a quickly changing environment
- Effective problem-solving skills

**About Stryker**:
Stryker is one of the world’s leading medical technology companies and, together with our customers, is driven to make healthcare better.

The company offers innovative products and services in Medical and Surgical, Neurotechnology, Orthopedics, and Spine that help improve patient and healthcare outcomes. Alongside its customers around the world, Stryker impacts more than 100 million patients annually.

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