Credit Analyst at Moko Home + Living

THE ROLE IN BRIEF

Credit Control Functions

• Analyze and assess the financial statements and credit history of potential clients by reviewing credit applications, performing credit checks, and presenting them for approval by the Credit Controller
• Analyze and monitor all debtors and actively work to reduce delinquency, ensuring prompt action is taken for non-payment and overdue debts
• Produce aged debtor reports regularly with appropriate commentary; ● Provide future cash collection expectations for inclusion in the weekly cash flow forecast
• Provide data for all legal processes for the recovery of debt, actively chasing aged debt while assisting in reviewing the more contentious and or difficult accounts
• Initiate collection calls to customers or other major account holders, resolving the complex accounts to unlock the payment issues; 
• Structure deals and perform risk assessments for review by the credit controller
• Ensure that appropriate internal documentation is raised so that additional credits/invoices are processed accurately and timeously in line with internal processes and procedures
• Liaise with the invoicing team, customers & commercial HODs & administrate as necessary to ensure that customer records are correct and that any queries or problems are resolved escalating process issues and non-conformance as required
• Provide support to the invoicing team to resolve issues with unassigned receipts and payment discrepancies
• Ensure that communications with customers are recorded & filed
• Provide supporting documentation and assistance with internal and external audits

Consolidation, monthly reconciliation, and reporting.

• Perform AR reconciliation activities 
• Assess and propose the provision for bad debt for approval 

Reporting

• Ensure all periodic reports are shared with the respective teams and dashboards are updated promptly.

GENERAL COMPETENCY EXPECTATIONS

• Plan your time to work effectively and productively with little or no supervision
• Collaborate effectively with colleagues, achieving positive feedback from others
• Demonstrate 100% ownership of your work, i.e. you take initiative to solve problems
• Willingness to continuously grow and learn, receiving feedback with a positive mindset
• Demonstrate strong analytical thinking in your written work and decision-making