Credit Manager

London, Greater London, United Kingdom
Corporate Functions

Summary

Posted:
Role Number:200171633
Apple is a place where extraordinary people come to do their best work. Together we build products and experiences people once couldn’t have envisioned — and now can’t imagine living without. Are you excited by the idea of making a real impact?! If so, a career with Apple might be your dream job... Be prepared to dream big! Teamwork is important at Apple, and every single day you are part of one of the most diverse and versatile companies in the world. As an integral member of the credit finance team, you are responsible for our continued success and you are a key player within your job function. You have passion for and bring extensive expertise in working with internal and external customers to do what is right for Apple. We are looking for a highly analytic credit specialist to cover our Middle East and Turkey portfolio. In this position you will be an integral part of the EMEIA credit team’s efforts to ensure robust and commercially sound credit decisions are taken to support our sales teams’ efforts to grow business in the region.

Key Qualifications

  • Dynamic commercial credit and risk assessment experience
  • Extraordinary skills in financial statement analysis and evaluation of credit dynamics is required
  • Strong communication skills with ability to provide succinct and articulate credit analysis and recommendations within Apple, and to effectively and confidently engage with the senior finance and executive teams of customers
  • Strong negotiation skills to minimize risk exposure while balancing the interests of stakeholders
  • Extensive experience in risk mitigation instruments including but not limited to bank guarantees and standby letters of credit as well as the associated legal nuances of such instruments
  • Ability to work across functional teams in multiple projects and serve as a credible voice for the Credit team
  • Relevant experience in the Middle East and Turkey markets and/or other similar emerging markets is a strong plus
  • Experience analyzing telecommunications, distribution and retail industry segments is a strong plus
  • Trade credit assessment / collections experience a plus.
  • Distressed / workout experience a plus
  • SAP systems experience a plus
  • Intellectually curious, confident, adaptable with strong time management skills and the ability to work effectively under pressure

Description

Position will directly lead a select number of accounts in the Middle East and Turkey portfolio Analyze financials and assess credit worthiness of corporate customers, with specific focus on the telecommunications, distribution and electronic retail sectors Undertake the necessary due diligence including customer interaction, credit screening of potential new customers and monitoring of existing customers Assessing credit limit requirements and recommending new credit limits or changes in limits that are appropriate for customers’ risk profile Prepare quarterly portfolio and customer level credit reviews Lead the negotiation of collateral with banks and own the entire process from issuance, monitoring through execution of such instruments Develop and manage relationships with senior management teams Build positive relationship with work partners in Sales Finance, Sales, Operations, Global Business Solutions and other functional teams Potential to also lead credit workflow of the group, depending upon level of experience

Education & Experience

Bachelor degree required; preference in business with concentrations in accounting, finance and economics Formal bank credit training MBA, CPA or CFA a plus

Additional Requirements

  • This position offers competitive salary and benefits.
  • The position will remain open until 19 June 2020