Senior Credit Analyst

Beijing, Beijing, China
Corporate Functions


Weekly Hours: 40
Role Number: 200035384
Team up with Apple, one of the most influential technology leaders in the industry. Join Apple Finance organization and make a positive impact on a Company that is known for its impressive lineup of products, including iPhone, iPad, Mac, iTunes and Watch. At Apple, you’ll share in a commitment to excellence by collaborating with world-class managers, all with one unified vision—creating innovative products that delight customers. We do this by hiring quality individuals with integrity, personal accountability, partnership, excellence, and dedicated thinking. If you exemplify our values and want to be part of something big, contact us today. We are looking for Senior Credit Analyst with relevant knowledge, skills and passion for credit. Apple’s Senior Credit Analysts are responsible for portfolios of customer credit lines and consequently the position also requires strong credit analysis skills, a hands-on approach towards detailed credit analysis, and exceptional interpersonal skills for communication within the Credit team, with our customers, Sales leaders and the broader Finance Team.

Key Qualifications

  • Minimum 5 years of progressive commercial credit and risk assessment experience
  • Direct credit analysis, scoring, and underwriting in a commercial bank or large multinational in the technology sector is preferred
  • Ability to quickly understand financial statements, use Excel based models, credit rating agencies and other third party research
  • Ability to effectively articulate risks and mitigating factors for high risk accounts, including both financial and qualitative analysis
  • Strong writing that succinctly articulate credit analysis, customer relationship and recommended actions
  • Well-versed in customer contract credit language, credit risk mitigation structures and implementation (e.g. collateral, credit insurance, bank support, parent support, etc.)
  • Comfortable operating independently with minimal supervision, reliable judgment, and using deductive and inductive reasoning to resolve a variety of highly complex issues in creative and effective ways
  • Ability to influence while working in a cooperative team environment
  • Proven and strong understanding of how credit fits within the broader finance and business operations
  • Customer focus with strong customer relationship competency


- Meet customers on a regular basis to assess performance and credit worthiness - Analyze information to establish credit limits to facilitate sales while limiting losses - Prepare periodic credit reviews and bad debt reserve analysis and reporting - Monitor changes in economic, industry, and customer conditions and maintain communication with various business divisions to evaluate potential changes to customers' credit worthiness and credit limits - Make recommendations to mitigate risk when needed - Manage security and collateral process and documentation as needed - Assist Collection team in resolving customer late payments - Maintain financial data and analysis on customers in the portfolio - Manage bad debt workouts if needed - Build strong relationship with work partners in Sales Finance, Sales, Operations, Global Finance Shared Service

Education & Experience

Bachelor’s degree in business, finance or accounting required, MBA and/or bank credit training is a strong plus Chinese and Korean business language proficiency , Japanese proficiency is a plus

Additional Requirements