Credit Analyst

• Conduct due diligence, quantitative and qualitative assessment of the portfolio of the company’s counter-parties for establishment of credit grades, limits and acceptable payment terms.
• Research data from various sources to ensure accuracy of analysis and analyzing financial data and other information to support decision making and/or recommendations for credit approval while working within delegated credit authority.
• Liaise and coordinate with other LD Commodities Credit personnel globally on common counter-parties and exposures. Work closely with other support functions (Origination, Legal, Execution, Accounting and etc.) to structure trade transactions.
• Review and update all Counterparts limits and ratings over the region.
• Review risk reports in order to ensure that limits are compliant and take remedial actions or recommend appropriate measures, when necessary.
• Work closely with traders/marketers to understand business, transactions and credit requirements.
• Notify the Regional Credit Officer of any potential, possible or actual defaults or problem accounts along with recommendations for handling or other action plans; updating default and major risk files.
• Assist Regional Credit Officer with Global Credit Policy issues.
• Prepare country risk review and risk committee files for presentation in the Regional Forums.
• Present and disseminate the Credit Risk Policy, Procedures and CRIS System over the country.
• Liaise with Legal, Origination and other departments on the preparation of guarantees and other collaterals for credit risk coverage.
• Handle the Credit Insurance Policies for various Platforms and ensure that they are compliant with the terms and conditions established by the Global Program.
• Review monthly Accounts Receivables Aging Position and recommend the provisions accordingly.

• Experience in derivatives and mark-to-market concept;
• Background on the assessment of counterparties through quantitative and qualitative information and the usage of scorecard methodology.
• Prior experience with handling problem or delinquent accounts.
• Experience with barter transactions.
• Experience in negotiations, commercial contracts and guarantees.

• Knowledge of international trade finance practices and Incoterms.
• Thorough knowledge of the daily operations of credit functions.
• Solid knowledge of available credit tools (D&B, S&P; Moody’s and etc.) to assist with c/p evaluation and or use to develop applications to support the credit process.
• Knowledge over the Local Commercial Legislation and International Commerce Documentation.
• Knowledge of Economic Dynamics and Legal Frame of Russia.
• Proficiency with MS Excel (VBA is a plus);
• Strong analytical qualities and ability to interpret figures;
• Flexibility, capacity to work under pressure, with tight deadlines;
• Excellent communication skills;
• Good time management skills.

• English (Fluent)

University degree in appropriate field (Finance);