Senior Credit Analyst (REQ-570)

HID Global
Galway Europe, Middle East and AfricaIrelandGalway

Senior Credit Analyst (REQ-570)



Location: Galway, Ireland


Job brief

We are seeking an operationally focused Senior Credit Analyst to join our HID Global Finance team. Reporting to the Senior Credit and Collections Manager, the successful candidate will manage the credit risk through the extension of credit limits on secured and unsecured basis. Our business is poised for rapid global growth, both organically and by acquisition. You will therefore also be involved in the integration of global acquisitions.


Duties and Responsibilities include

The Senior Credit Analyst is required to perform/review the day-to-day credit operations for EMEA including, but not limited to:

  • Ensure compliance with the Global Credit Policy related to risk management and extension of credit
  • Collaborate with collection teams on day-to-day activity related to risk assessment.
  • Conduct credit reviews for new accounts and establish credit limits within established policy authority limits. 
  • Make recommendations of non-standard situations and alert appropriate management of significant issues or exceeded limits
  • Credit Policy and Doubtful debts
  • Assist in the design and implementation of corporate credit policies and procedures to control potential losses from credit exposure and maximize cash flow and supporting continued sales growth
  • Ensure compliance with credit policy through periodic reviews of the portfolio
  • Present strategies to reduce loss exposure on accounts
  • Analyse customer credit profiles and perform credit research, including evaluation of credit rating agency information
  • Recommend appropriate line of credit and related security
  • Monthly Reports
  • Examines, clarifies and assigns customer financial and credit status through financial statements, commercial references, credit and financial histories and external credit and other financial agencies
  • Initiates and issues internal correspondence, reports and recommendations relative to customers’ credit and financial conditions
  • Maintains financial data on customers
  • Publish and analyze KPI’s for Global credit teams
  • Prepare financial presentations related to portfolio risk for operational collection issues
  • Customer Relations
  • Build relationships with all members of HID Global Corporation community, in particular the sales force, customer service team and peers. Communicate with internal customers to conclude all related business matters and discuss status of accounts.  Advise all parties of any action to be initiated with respect to over-limit accounts
  • New accounts set up in R12 and update additional billing locations for existing accounts
  • Manage Letters of Credit process for multiple shared service centers
  • Attend off-site meetings, as appropriate, for dispute resolution purposes
  • Process
  • Assumes responsibility for all facets of the credit process including releasing of pending orders, increasing or decreasing customer lines of credit and denying a line of credit to an account with the option to be a cash in advance customer
  • Manage orders shipped via CAD (cash against documents) and LC payment arrangements
  • Other
  • Support acquisitions
  • Support the annual audit



  • Must be familiar with Inco Terms and know how to structure letters of credit and CADs
  • Ability to read and interpret financial statements
  • Ability to make independent business decisions
  • Strategic thinking 
  • Clear understanding of business cycle from order process to collections
  • Excellent verbal and written communication skills
  • Team work oriented
  • Meticulous attention to detail
  • Good analytical and problem solving skills


Education and Experience         

  • Bachelor’s degree in Business Administration or Finance.
  • 5+ years Credit Analyst experience in a high touch B2B credit and collection environment
  • Proficient in MS Office
  • Familiarity with Oracle or similar ERP system


Language Skills                   

  • Ability to effectively communicate in the English language verbally and in writing



Work Requirements

  • Compliance to all relevant HID Global policies and procedures related to Quality, Security, Safety, Business Continuity, and Environmental systems
  • Travel and fieldwork including international travel may be required, therefore an employee must possess or can acquire a valid passport
  • Must be legally eligible to work in Ireland  



Final Application Date: 5th February 2020

HID Global is an equal opportunities employer 


HID Global powers the trusted identities of the world's people, places and things. We make it possible for people to transact safely, work productively and travel freely. Our trusted identity solutions give people secure and convenient access to physical and digital places and connect things that can be accurately identified, verified and tracked digitally. Headquartered in Austin, Texas, HID Global has over 3,000 employees worldwide and operates international offices that support more than 100 countries. HID Global® is an ASSA ABLOY Group brand.