Credit Analyst

About the Company:
Gerald Group is one of the worlds oldest and largest commodity trading companies focused on the merchanting of non-ferrous ferrous precious metals. For over six decades we have distinguished ourselves as leading market specialists in the merchanting of all forms of refined metals and raw materials around the world. We take pride in our well-earned reputation as a dedicated and trusted partner to top-tier miners and processors industrial consumers and major financial institutions. We are boldly continuing this tradition as we advance a more sustainable metals trade. Founded in the United States our main trading office is in Stamford Connecticut. Our world-wide operations are supported by trading hubs and offices in Geneva Shanghai Dubai and other addition to our merchanting business our mining assets include the Marampa Mines iron ore mine in Sierra Leone and the Soremi copper and zinc mine in the Republic of Congo.

Position Summary:
The Credit Department provides worldwide credit risk assessments to support various departments across the Gerald Group. The analyses and reports prepared by the Credit Analyst are essential to maximizing sales while minimizing risk and protecting the company from credit losses. She/he is responsible for various credit related functions including but not limited to performing credit reviews on local and international customers and preparing credit proposals monitoring the compliance with the credit policy and credit limits assisting to manage the credit insurance program as well as performing due diligence (i.e. KYC) on counterparties.

Responsibilities:

Perform credit reviews and prepare credit proposals for various local and international counterparties

Analyze financial data and other market-related information to support the credit department or other department(s) of the company for structured trade deals and/or investment activities

Analyze the credit exposures and monitor compliance with approved credit limits and internal credit policies

Monitor overdue receivables and coordinate the collection process including follow-up with counterparties and internal stakeholders to ensure timely resolution

Prepare weekly credit exposure reports for senior management

Assist with the mitigation of the credit risk (e.g. credit insurance)

Assist in the review and development of credit risk-related policies and procedures

Assist in assessing KYC applications for local and international counterparties (e.g. supplier customer warehouse shipping companies etc.)

Experience:

Bachelor (equivalent or higher) degree in Finance Economics Accounting Business Administration or similar

At least 3-5-year experience in credit risk management financial analysis or financial audit within a trading house a bank or one of the big four firms

CFA candidate or charter holder is a plus

Additional language (inc. Mandarin Spanish French) will be a plus with a preference with Mandarin

Knowledge of the commodity business and transactions

Good analytical and organizational skills

Ability to work independently and under pressure

Willing to travel in North America and from time to time internationally (as requested)

Excellent interpersonal skills

Excellent written and verbal communication skills

High level of attention to detail

Ability to work in office 5 days a week