Credit Analyst

What´s the role?

As a Credit Analyst you will be responsible for handling a portfolio of clients for both B2B and B2C channels for all operating entities in Puerto Rico. The responsibilities include evaluating the financial status of potential customers, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions concerning credit.

In this role you will support the Liberty Latin America ("LLA") accounts receivables and notes receivables working capital performance by ensuring that credit granted matches the risk appetite of Liberty and to minimize bad debt expenses. As a Credit Analyst you will work in conjunction with the Collections team to understand customer payment performance, identify credit risks and recommend and implement tools & measures to mitigate credit risks.

How can you add value?

• Analyze and assess the financial documents and credit history of existing and potential clients.

• Review credit applications and perform credit checks.

• Review exception customer cases that require enhanced credit assessment decisions.

• Recommend and advise the business on structuring deals to mitigate credit risks.

• Ability to make informed decisions backed by sound assessment.

• Consult and negotiate with clients regarding financial transactions, payment terms, and credit limits.

• Adhere and promote the company's credit policy and SOX control requirements.

• Ability to handle multiple projects and submit credit applications on time.

• Understand and track business, economic and industry risk as it relates to their impact on customer credit and the business environment & industry our customers operate in.

• Analyze financial statements and understand liquidity ratios from customer statements.

• Understand, support receivables factoring when appropriate.

• Prepare periodic reports to show the status of credit by channels of business and understand and highlight trends.

• Communicate clearly to the CFO, Controller, and other management regarding credit performance matters.

• Prepare ad-hoc financial reports by collecting, analyzing, and summarizing financial information and trends.

• Maintain customer confidence and protect company operations by keeping financial information confidential.

• Other functions may be assigned.

• Demonstrate and ensure compliance with the Customer First Philosophy, all Liberty PR and LLA policies and procedures including the Code of Conduct and Liberty safety standards and procedures.

• Other functions that may be assigned.

What do you need?

Education and/or Experience:

Bachelor's degree in finance or accounting.

2-5 years of experience in credit or finance.

Other Qualifications:

• Good communication and interpersonal skills.

• Computer-literate, knowledge in Microsoft Office.

• Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

• Bilingual (Spanish and English).

• Proven knowledge of economic and accounting principles and practices, credit analysis, and reporting.

Liberty Puerto Rico provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, citizenship, age, marital status, social status, sexual orientation, gender identity, protected veteran, military service obligation, disability status, genetic information, political affiliation, and being or being perceived as a victim of domestic violence, sexual assault, or stalking. In addition to federal law requirements, Liberty aligns with applicable local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Assessment, background check and drug test will be required to successful candidate.

If you believe you have been discriminated against you may notify the Equal Employment Opportunity Commission, the Federal Communications Commission, or other appropriate agency.