Have you already heard about Air Products Group? We are one of the world's leading industrial gases companies. Our goal is to be the world's safest, most diverse and profitable industrial gases company. Founded 75 years ago, Air Products has built a reputation for its innovative culture, operational excellence and commitment to safety and the environment. 

In Cornellà de Llobregat, we have located our Shared Services Center (SSC), to support the business in areas such as finance, customer service, logistics and human resources for all Europe, Middle East and North Africa. With around 300 professionals, we have created a unique multicultural environment composed by employees of more than 30 different nationalities. 

We are looking a "Credit Analyst" to join our team.

POSITION SUMMARY

•  Provides primary financial analysis, risk assessment, and credit recommendations for new and existing customers, across various business areas in Europe.
• Influences credit policy and procedures within Europe.
• Works in a cross functional environment, and is the primary credit interface with Business Area Sales Managers and Sales reps, Customer Service, Collections/Accounts Receivable, and Corporate Treasury.
• Engages in direct interactions with external customers relating to financial analysis matters, e.g. customer financial statement requirements.
• Manages SAP blocked customer orders, i.e. determine the reason for the blocked order as it pertains to past due A/R, exceeded credit limits, and releases order(s) as appropriate.

PRINCIPAL ACCOUNTABILITIES

Company Policy
• To adhere to Air Products local and global policy (fundamental to all parts of the job)
 
Credit Review of New Clients and Existing Client Portfolio, Addressing Credit-Related Requests
• Conducts financial analysis and presents credit worthiness recommendations for new and/or existing clients, utilizing external Credit rating agencies, customer financials and internal data. Ensuring workflows are responded to within set targets and in accordance with the agreed procedures/approval limits.
 
Risk Assessment & Analysis
• Undertake regular reviews and analysis of the risk on the assigned account portfolios, highlighting bad debt exposure to OTC and Commercial management, and recommend measures to reduce risk. Work with the Business Area(s) to develop customer specific credit strategies in order to support APCI credit guidelines. Build external customer relationships, where required.
 
Process Compliance and Optimisation
• Regular review of compliance to key processes and Credit Policy (GEP, Credit Granting, Workflow routing) and the identification of work process improvement opportunities (utilizing CI tools). Operate independently in order to timely complete ad hoc project work, e.g. Sarbanes-Oxley financial controls testing and compliance requirements. Participate in cross functional, cross business team environment in order to identify work process improvement opportunities with an aim to assist strong AR performance.
 
Account Review
• Regular review of the assigned portfolio to ensure that the credit limit, check rule, block reason, terms, risk labels and associated system flags reflect the current account status.

REQUIREMENTS

• Fluency in business English and Polish and/or French and/or Spanish is a must
• Any other additional European language would be considered an advantage
• Understanding of financial statements, industry trends, and external credit rating reports (D&B)
• Previous Finance, Credit/Collections, or business/commercial experience
• SAP R/3, Business Warehouse experience