Credit Controller

At Carrier we make modern life possible by delivering innovative and sustainable ground-breaking systems and services that matter for people and our planet. We exceed the expectations of our customers by anticipating industry trends working tirelessly to master and revolutionize them. This is why we come to work every day. And we do it The Carrier Way.

Join us and we can make a difference together.

We are currently looking for an experienced Credit Controller.

Role summary

As the Credit Controller you will be accountable for managing higherrisk customer portfolios and complex credit decisions across the ordertocash cycle. The role focuses on advanced credit assessments approval of higher exposure limits and resolution of complex or nonstandard credit situations that sit beyond routine Credit Operations addition to direct credit decisionmaking the Credit Controller contributes to the continuous improvement and automation of credit processes to strengthen controls efficiency and SOX compliance.

Requirements

• 24 years of experience in Credit Management or Finance
• Bachelors degree in Business Economics Finance or Accounting
• Strong knowledge of financial statement analysis (Balance Sheet Profit & Loss Cash Flow Statement)
• Experience with reporting data analysis or automation
• Strong attention to detail and riskcontrol mindset
• Advanced written and verbal English; additional European languages are an advantage
• Confident communicator able to engage and challenge stakeholders on riskrelated decisions

Responsibilities

• Perform advanced financial analysis of customer financial statements to assess creditworthiness and sustainability
• Assess and approve new customer credit risks requiring higher authority or enhanced scrutiny
• Define approve and adjust credit limits within higher delegated thresholds
• Evaluate and decide on nonstandard commercial terms from a credit risk and compliance perspective
• Own credit risk management for complex highvalue or higherrisk customer accounts
• Take credit decisions beyond standard Credit Operations authority including higher credit limits and elevated risk profiles
• Review and decide on orders placed on credit hold due to overdue exposure or credit limit breaches
• Approve or reject credit releases based on indepth risk analysis and policy compliance
• Monitor customer exposure payment behavior and early risk indicators for complex portfolios
• Initiate risk mitigation actions for deteriorating accounts including limit reductions stricter terms or account deactivation
• Ensure credit decisions risk assessments and approvals are fully documented and auditready in line with SOX requirements
• Conduct and sign off annual credit reviews for higherrisk customers
• Act as escalation point for complex credit cases originating from Credit Operations
• Contribute to process improvement initiatives in credit management including simplification standardization and automation of credit assessment and approval workflows
• Support the development of reporting controls and monitoring tools to improve visibility of credit exposure and risk

Carrier is An Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin disability or veteran status age or any other federally protected class.

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