Credit Analyst

**The Role**:
**Where You Fit In?**

Shell is one of the major players in the South Africa(SA) oil industry. All Shell Downstream businesses operate successfully in SA, supported by the Onshore Credit Team. The Credit Team has enjoyed significant success over the past few years achieving the successful implementation of various improvement in performance.

**What’s the Role?**

The Credit Analyst is responsible for risk assessment of customers, the establishment of credit limits, the analysis of the overall credit exposure, the recommendation of terms of credit and the negotiation, registration and management of security necessary to support higher risk exposures.

Further responsibilities include:

- Manage Credit Risk
- Responsible for the risk assessment of customers, negotiating, registering and managing security arrangements, establishment of appropriate credit limits and the analysis of overall credit exposure.
- Responsible for the re-assessment of credit-worthiness of customers based on re-evaluation triggers and timelines.
- Perform detailed financial analysis of customer financial statements for development of a risk profile of each customer using analytical results to establish credit limits
- Approval of credit limits within delegated authority and prepare analysis write-up to obtain necessary MOA for decisions exceeding delegated authority level.
- Approval of risk categories, and review & release of blocked orders within delegated authority.
- Ensure compliance with Global Downstream Credit policy, Operating Credit Manual standards and Finance & Business controls.
- Engage with customer’s senior financial and business leaders to establish understanding of customer’s financial status and business model as required to complete credit analysis and to negotiate security when financial condition does not support credit exposure.
- Manage security arrangements to ensure timely actions taken to renew or replace expiring security instruments.
- Accounts Receivable - Support the negotiation of Overdue Debts. Timeous credit-blocked order releases within SLA per MoA.
- Debt Recovery - Responsible for identifying when accounts may require legal intervention e.g. If customer files for bankruptcy
- Support to Sales
- Provide interpretation of policy and guide the businesses on the principles of sound credit management. Keep up-to-date on issues within the businesses by having close relationships with the Sales Teams and reading information from industry sources.
- Conduct customer visits where required.

**What we need from you?**
- Minimum of 5 years relevant work experience.
- At least a Bachelor’s degree in Accounting or equivalent.
- External Credit or accounting qualification or equivalent comparable work experience
- Strong knowledge and interpretation of financial statements.
- Strong analytical skills.
- Excellent verbal and written communication skills.
- Strong interpersonal skills and ability to develop working relationships with all functions
- Strong organizational and time-management skills.
- This role requires a results-focused team player, with strong communication skills.
- Must be able to work under tight time pressure whilst still maintaining high standards of work.
- Ability to deal with conflict effectively and challenge the business when necessary.
- Possess strong commercial acumen to be able to support the sales organisation in credit matters.
- Ability to be credible and be able to negotiate effectively with customers and their professional advisors face to face at the highest level within their organisation whilst valuing the customer relationship wherever possible.

Scam Warning:
Shell is an Equal Opportunity Employer.

**COMPANY DESCRIPTION**

The world faces energy challenges that are becoming more complex each day. We’re looking for people who share our passion for taking on those challenges with cutting edge technology, innovative thinking and a commitment to properly managed risk. Shell develops and operates some of the largest and most complex projects in the world and we always endeavour to work at the leading edge of technical innovation.

**An innovative place to work**

There’s never been a more exciting time to work at Shell. Everyone here is helping solve one of the biggest challenges facing the world today: bringing the benefits of energy to everyone on the planet, whilst managing the risks of climate change.

Join us and you’ll add your talent and imagination to a business with the power to shape the future - whether by investing in renewables, exploring new ways to store energy or developing technology that helps the world to use energy more efficiently.

**An inclusive place to work**

To power progress together, we need to attract and develop the brightest minds and make sure every voice is heard. Here are just some of the ways we’re nurturing an inclusive environment - one where you can express your ideas, extend your skills and reach your potent