Process Expert Credit Management
hace 6 meses
Process Expert Credit Management (Coyol, Alajuela)
Life Unlimited. At Smith+Nephew we design and manufacture technology that takes the limits off living.
About the role
You will be assessing customers’ creditworthiness creating credit-scoring models to predict risks.
Approving or rejecting credit line requests, based on credibility, account analysis and - potential revenues and losses. Setting credit limits for new customers and for existing the ones analyzing credit terms for customers and make sure that both SAP and contracts (if any) are aligned using external credit investigation providers to assess portfolio risk and escalating risk customers with Credit Managers support all the departments in adherence to the corporate credit policy make recommendations to upper management to escalate accounts to: third-party collections, legal or Credit hold review and approve Master data requests for new and existing customers remove bottlenecks in technical revenue recognition issues (SAP VFX3) by working with business and IT perform credit worthiness assessments for Rental Deals and other type of contracts
Develop monthly and weekly reports for the Credit department and provide visibility on hold reason accounts and next steps carry out the Bad Debt/Credit Note Provision calculations and accuracy/completeness reviews maintain correct customer corporate hierarchy through the use of external customer-matching databases to ensure correct corporate exposure/risk is reflected in the master data manage relevant OTC controls and work with internal and external audits backup for Credit Manager conduct an annual review of key customer groups to reapprove their credit limits in line with S&N’s authority matrix
The role requires strong analytical capabilities and ability to work within weekly/monthly deadlines. Ideal candidate will be detail oriented, self-motivated, able to multitask and able to display financial knowledge in business/commercial conscious setting, working across varied stakeholder base.
What will you be doing?
Perform commercial credit analysis on potential customers using external and internal risk reporting tools, bank and trade references, and financial statements for new customer's
set-ups. Credit line recommendations through analysis of sales forecasts and pending orders for open and current customers. Verifying internal sales and payment history on existing accounts to recommend credit line increases. Review any pending orders on credit hold or under Credit review due to credit limits being exceeded, assess invoice delinquency, and propose credit decisions on order shipments. Support OTC activities as needed, as well as serve as a backup for Credit Managers.
Analyze, document, and study in depth key accounts at corporate level of exposure during Annual Credit limit review.
Masterdata change request: receive and approve changes for new or existing customers.
Process and submit the annual credit review.
Back up for Credit Managers/support during leave of absence- order release and pending queries.
VFX3 Report provide support and solve problems in order to release documents to accounting.
Credit References: Provide companies’ internal credit references for specific customers.
Fulfil creditworthiness requests for different departments (A/R, Commercial teams, Credit Management).
Meetings: Interact with different departments and / or upper management personnel to propose/review plans and strategies (or meeting according to business needs).
Perform administrative duties and reporting data.
What will you need to be successful?
Education:
Required:
Bachelor´s Degree in Accounting, Finance, or Business Administration.
MS Office, Power BI, Cloud Database (Excel - Advanced level)
GetPaid/SAP
English Level B2+ (minimum required).
Experience :
Required: > 3 years' experience in Credit Management and or Dispute Management. Experience handling portfolios.
Financial knowledge- ability to interpret financial statements and key financial ratios to assess credit worthiness.
Data mining experience a plus.
Healthcare devices business sector experience a plus.
Accounts Receivables / OTC knowledge.
Time Management.
Competencies
Analytical/Technical Expertise – knows the business and provide insight and direction into complex areas through technical database/data management expertise, analytics, and visual depiction.
Results-Oriented - Delivers on commitments and demonstrates impactful results.
Communication & Influencing - Clearly conveys complex information (both oral and written) and actively engages all stakeholders towards understanding of the issues, consensus, solution, and action.
Teamwork - Promotes collaborative relationships across differing levels of management functions, divisions, and locations.
Agent of change. Shows high sense of Adaptability to change
You. Unlimited
We believe in creating the greatest good for society. Our strongest investments are in our people and the patients we serve.
Inclusion, Diversity and Equity- Committed to Welcoming, Celebrating and Thriving on Diversity, Learn more about on our website.
Other reasons why you will love it here
Your future: stock purchase program, referral bonus, subsidy in transport and food, recognition program.
Work/Life Balance: Extra days off, birthday off, voluntary hours.
Your Wellbeing: company doctor, medical insurance, gym, health campaigns, employee assistance program, parental leave,
Flexibility : Hybrid work model (for more professional roles), flexible schedules.
Training: Training program, unlimited learning.
Extra perks: employees association, and more…
-
Credit Management Expert
hace 4 semanas
San José, San José, Costa Rica Smith+Nephew A tiempo completoCredit Management ExpertSmith+Nephew is seeking a Credit Management Expert to join our team. The successful candidate will be responsible for assessing customers' creditworthiness, creating credit-scoring models to predict risks, and approving or rejecting credit line requests.About the RoleKey responsibilities include:Performing commercial credit analysis...
-
Credit Management Expert
hace 1 mes
San José, San José, Costa Rica Smith+Nephew A tiempo completoJob Title: Credit Management ExpertAt Smith+Nephew, we are seeking a highly skilled Credit Management Expert to join our team. As a key member of our Credit Department, you will be responsible for assessing customers' creditworthiness, creating credit-scoring models, and predicting risks.Key Responsibilities:Assess customers' creditworthiness and create...
-
Credit Collection Representative
hace 4 semanas
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completo**About Our Team**We are a leading provider of debt recovery solutions for consumers, empowering them to begin their path towards financial recovery and build a better life. Our team of over 4,000 employees is dedicated to delivering exceptional customer service while upholding the Consumer Bill of Rights. If you are results-driven, have a passion for...
-
Financial Credit Expert
hace 1 semana
San José, San José, Costa Rica Acuity Knowledge Partners A tiempo completoRole OverviewWe are seeking a highly skilled Financial Credit Expert to join our team at Acuity Knowledge Partners. This is an exciting opportunity for professionals who want to advance their careers in credit analysis and financial services.
-
User Experience Specialist
hace 1 semana
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completoWe are seeking a skilled Css Specialist to join our global team of over 4,000 employees. This role is an excellent opportunity for individuals who thrive in a results-driven organization that values innovation and diversity of ideas.About the Role:80% of your time will be spent reviewing, investigating, and processing account level documentation using...
-
Credit Risk Management Specialist
hace 1 semana
San Francisco, Heredia, Costa Rica Stryker A tiempo completoAbout StrykerStryker is a leading medical technology company that offers innovative products and services to improve patient care. Our company culture emphasizes teamwork, innovation, and customer satisfaction.Salary InformationThe estimated annual salary for this position is around $85,000-$110,000 depending on location and experience.Job DescriptionWe are...
-
Financial Process Expert
hace 2 semanas
San José, San José, Costa Rica Msd A tiempo completoAt Msd, we are seeking a skilled Financial Process Expert to join our team. This role will play a critical part in ensuring the timely and efficient delivery of standardized global financial processes.Main Responsibilities:High external customer interaction requires strong communication skills and negotiation abilities.Analyze and troubleshoot issues,...
-
Finance Analyst
hace 1 semana
San Antonio, Belén, Costa Rica SYK Costa Rica Services S.R.L A tiempo completoAbout SYK Costa Rica Services S.R.L At SYK Costa Rica Services S.R.L, we are committed to providing exceptional financial services to our clients. We are currently seeking a highly skilled Finance Analyst - Credit and Debit Expert to join our team. About the Role As a Finance Analyst - Credit and Debit Expert, you will be responsible for analyzing...
-
Document Management Specialist for Credit Rating Process
hace 2 semanas
San Francisco, Heredia, Costa Rica Moody's A tiempo completoAbout Moody'sMoodys is a leading provider of credit ratings and research to the global capital markets. Our Ratings Operations and Controls (ROC) organization plays a critical role in supporting the credit rating process.
-
Debt Resolution Specialist
hace 4 semanas
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completo**Empowering Consumers to Achieve Financial Recovery**At Midland Credit Management, Inc., we're committed to helping individuals begin their path towards financial recovery and build a better life for themselves and their families.The Complaint Response Representative plays a vital role in this mission by investigating consumer complaints and providing...
-
Commercial Credit Solutions Expert
hace 3 días
San Francisco, Heredia, Costa Rica Equifax A tiempo completoThe Equifax team is seeking a highly skilled Commercial Credit Solutions Expert to provide exceptional service to our clients. In this role, you will play a key part in delivering solutions to members on their credit files by updating accounts, investigating cases and providing adequate solutions to their problems.Key Responsibilities- Manage sales over the...
-
Senior Manager Call Center Lead
hace 1 mes
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completoAbout UsAt Midland Credit Management, Inc., we empower consumers to begin their path towards financial recovery and build a better life for themselves and their families. Our team of over 4,000 employees is dedicated to providing debt recovery solutions for consumers. We strive to hire exceptional people who bring a diversity of ideas, a collaborative...
-
Credit Analyst
hace 5 meses
San José, Costa Rica Amazon Support Services Costa Rica SRL A tiempo completo3+ years of tax, finance or a related analytical field experience - Bachelor's degree in engineering, statistics or business, or Bachelor's degree and 3+ years of finance or a related analytical field experience - Experience in creating process improvements with automation and analysis - Experience in identifying, leading, and executing opportunities to...
-
Financial Expert for Credit Analysis
hace 3 semanas
San José, San José, Costa Rica Cummins A tiempo completoWe are looking for a talented professional to join our finance team at Cummins in San Jose, Costa Rica. As a Financial Expert for Credit Analysis, you will play a key role in evaluating the financial health of new customers and ensuring timely sales order approvals.Key responsibilities include:- Analyzing financial statements and credit records to assess...
-
Financial Analyst Global Credit, Credit Risk
hace 5 meses
San José, Costa Rica Amazon Support Services Costa Rica SRL A tiempo completo3+ years of tax, finance or a related analytical field experience - 3+ years of creating process improvements with automation and analysis experience - 3+ years of identifying, leading, and executing opportunities to improve, automate, standardize or simplify finance or business tools and processes experience - Bachelor's degree in engineering, statistics or...
-
Senior Account Specialist
hace 1 mes
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completo**About Us**At Midland Credit Management, Inc., we're more than just a specialty finance company - we're a global team of over 4,000 employees dedicated to empowering consumers to take control of their financial recovery. Our mission is to provide debt recovery solutions that make a real difference in people's lives.**Responsibilities**We're seeking a highly...
-
Transfer Agent I
hace 6 meses
San José, Costa Rica Midland Credit Management, Inc. A tiempo completo**About Us** We are more than a specialty finance company providing debt recovery solutions for consumers. We are a global team of over 4,000 employees whose daily mission is to empower consumers to begin their path towards financial recovery and build a better life for themselves and their families. We know that the only way to support this mission is by...
-
Especialista en Crédito Empresarial
hace 3 semanas
San José, San José, Costa Rica Davivienda Filiales A tiempo completoDavivienda, Filial del Grupo Empresarial BolívarBuscamos un Análisis de Crédito y Riesgos para nuestra división de Banca Empresarial. Si eres un experto en créditos empresariales, estamos buscando a alguien como tú.Descripción del Cargo:Realizar una evaluación exhaustiva de los clientes asignados para análisis de crédito. Revisar la documentación...
-
Operations Manager for Strategic Growth
hace 1 semana
San José, San José, Costa Rica Midland Credit Management, Inc. A tiempo completoAbout UsAt Midland Credit Management, Inc., we are a global team of over 4000 employees dedicated to empowering consumers on their path towards financial recovery and building a better life for themselves and their families.We hire exceptional people who bring diversity of ideas, a collaborative spirit, and a passion for breakthrough results. If you are...
-
Data Management Expert Professional
hace 2 semanas
San Francisco, Heredia, Costa Rica Experian A tiempo completoTransform lives and create opportunities as a key player in Experian's global data management team.Job Summary:We are seeking an experienced Data Management Specialist to join our team in Costa Rica. This is a permanent home-based role that requires strong skills in SQL, relational database technology, process management, and project tracking.The ideal...