APAC Credit Specialist- Wholesale

Overview

Assess credit risk and underwriting for APAC wholesale finance portfolio.

Key Responsibilities

• risk mitigation
• credit modelling
• policy management
• portfolio monitoring
• credit underwriting
• financial analysis

Tasks

-Facilitates the development of risk mitigation strategies for the company critical risks and for monitoring these risks. -Support risk management team in introduction/renewal/modification in credit models, early warning indicators, and system development & enhancements. -Liaison with business team on introduction of new financing products in line with market/competition practices. -Formulate, implement and update credit risk policies & guideline in line ensuring the same is aligned to industry standards and regulatory requirements -Communicate policy changes to the relevant stake holders and provide training as needed -Monitor and analyze portfolio performance, identifying stress segments and early warning signals -Administer and manage all credit risk management initiatives in the organization -Stakeholder management – coordinate with Capital and brand teams to ensure the effective credit risk management. -Responsible for wholesale credit underwriting for dealers, distributors, and direct customers for APAC market -Financial statement analysis of customers and assess overall credit worthiness and identify underlying credit risk -Conduct client/dealer visits and monitor the financial status and credibility of strategic clients/dealers.

Requirements

• negotiation
• time management
• compliance
• credit underwriting
• risk management
• 5-8 years

What You Bring

-Demonstrated effective influencing & negotiation skills -Demonstrated effective time management & computer skills -Understand country specific policies, procedures, regulations, and compliances -Strong relationship management skills -Strong understanding of credit underwriting, risk management, and related processes. -Excellent communication skills and ability to clearly communicate with various stakeholders. -5-8 years of relevant experience in large muti-national banks and captive finance companies -Demonstrated analytical and report writing skills

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Benefits

-Flexible work arrangements -Adoption assistance -Parental leave -Tuition reimbursement -Employee Assistance Programs -Charitable contribution matching and Volunteer Time Off -Fertility & Family building support -Savings & Retirement benefits

About Cnh

-The company lists on the NYSE and serves global markets with iconic brands like Case IH and New Holland. -It designs and produces tractors, harvesters, backhoes and heavy equipment for agriculture and construction. -Typical projects include supplying integrated machine fleets, digital solutions, financing and aftermarket services. -A standout fact: in 2022 it spun off its Iveco commercial‑vehicle arm, refocusing on core farm and construction machinery.

Sector Specialisms