Credit Officer - Sudan

Hikma Pharmaceuticals

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Complete L/C's applications, including credit analyses and summaries of L/C's requests and procedures.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Review individual or commercial customer files to identify and select delinquent accounts for collection.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Consult with customers to resolve complaints and verify financial and credit transactions.
• Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Prepare collection reports
• Helping with any clients complains

Skills

a) Problem Solving

The principle problem solving areas are; co-ordinate with all departments in order to achieve the Collection targets on the agreed timeframe.
b) Customer Orientation and Personal Service -- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Knowledge:
a) Good knowledge of Collection Cycle process and requirements.
b) Economics and Accounting -- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
c) Computer and English Language: XP Professional and Fluently English speaker.
d) Clerical Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
e) Administration and Management -- Knowledge of business and management principles involved in strategic planning, resource allocation, , leadership technique, and coordination of people and resources.
Experience:
• 5 years experience in banking or working in any of other financial institutes are preferable
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