credit analyst London, England
Job description
Department/Group Description:
Corporate Credit to Cash is a Center of Excellence that oversees the entire order to cash function for The Walt Disney Company and its subsidiaries. This organization is broken down further into distinct towers with emphasis in Customer Master Data Management, Credit, Billing, Cash Application and Collections. It is the purpose of the Credit to Cash organization to maximize profitable sales, optimize cash flow, and minimize bad debt loss. The Credit Tower in particular has the role of reviewing a counterparty’s level of risk, often through the analysis of financial statements, with the ultimate goal of mitigating risk when and where possible.
Responsibilities of the Role:
It is the responsibility of the Senior Credit Analyst to exhibit professional excellence by building customer and department relationships and communicating clearly and responsibly. The Senior Credit Analyst complies with Corporate Policy and Procedures through the completion of complex and highly visible credit reviews. The Senior Credit Analyst collaborates with the Credit Team and stakeholders to ensure that sales and purchases are credit assessed and evaluations are published in a timely manner. The Senior Credit Analyst ensures that systems containing credit risk information are updated to support accounts receivable reporting, portfolio analysis, bad debt reserves recommendations, and collaboration across the enterprise. The Senior Credit Analyst is accountable for meeting production requirements and service level agreements. In addition, responsibilities include mentoring, training, and overseeing the quality of the Credit Analysts’ work.
Credit Approval and Risk Mitigation
Perform credit risk assessments and issue recommendations within approval authority. The Senior Credit Analyst handle complex credit risk assessments.
Review and approve credit reviews of the Credit Analysts to ensure that credit reviews are accurate and well written.
Mentor Credit Analysts and provide guidance on business processes, observations, and risk conclusions to develop the credit analysts’ skills.
As needed, meet and discuss with customers and business leaders, risk mitigation, which could include Letters of Credit, guarantees, securitization, and/or deal and payment structure.
Systems
Participate in the development and implementation of new technologies to improve efficiency and effectiveness
Coordinates tasks with the Credit Team to support systems changes or projects
When applicable, update Disney order approval systems as well as internal departmental systems
Reporting
Leads the Credit Team to ensure the issuance of monthly of monthly and quarterly reports, reserve recommendations, Treasury Rep letter, Global Exposure report, as well as the preparation of credit portfolio reports
Leads the Credit Team in preparation of ad-hoc reports to support business intelligence activities.
Participates in discussions with stakeholders where business cases are complex
Update status reports of credit activities to measure performance
Hiring Requirements:
Education: Basic Qualifications.
Level and Field of Study: (e.g., Associate’s degree, 4-Year degree, Masters, Communications, Business, Graphic Arts)
Minimum Required: Bachelor’s degree in Finance, Economics, Accounting
Preferred: MBA or equivalent years in relevant work experience
Experience / Skills / Training:
Minimum Required:
3 years in Credit Analysis
1-2 years in leading mentoring others
Demonstrated knowledge and advanced skills in Excel or Access
Proficient in advanced financial analysis
Experience in credit approval of commercial loans in a financial institution is desired
Strong communication skills, both written and verbal
Experience communicating customer’s financial performance, providing risk conclusions, and suggesting collateralization instruments Licenses / Training (e.g. professional certifications)
Training in Advanced financial/credit analysis
Understanding of bankruptcy law
Knowledge of Letters of Credit and other security instruments
