Spreading / validation of spreading of the annual financial statements via internal Commerzbank tools; approving the spreading before using it in the rating process.
Qualitative and quantitative risk analysis of a counterparty within the rating process.
Maintain and actively promote Sectoral/Regional knowledge for the specific sectors and region covered.
Key contact person for GRM-CC units / management team members to liaise about quality of work deliverables (e.g. appropriateness and accuracy of spreading, calculations, ratings and summary analysis) and to discuss / decide about work priorities.
Ensure high quality standards of work deliverables by actively liaising with other credit risk team heads to incorporate new developments, best practices and to improve process quality.
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Review aging accounts, disputed balances, and high-risk customers, implementing appropriate recovery actions and escalating critical issues as required.
Monitor collection performance metrics, including Collection Rate, DSO, and aging reports, and ensure accurate and timely reporting.
Maintain and review Management Aging Tracking Reports (MGTR) and provide collection insights, risk assessments, and corrective action recommendations to management.
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Maintain a positive and professional attitude while handling customer inquiries
To ensure daily and monthly productivity target is achieved and exceed sales performance indicators set by management.
To maintain and uphold service standards ensuring it is complying to the compliance and consistency of Code of Conduct & Ethic policy in cards acquisition effort at all times
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Regularly provide ad-hoc credit risk evaluations and advisory to Regional teams, Group Risk Head, and other key stakeholders.
Assist in product and credit program development, reviewing and estimating risk parameters, product pricing, structure, and ensuring regulatory compliance.
Drive business agenda with potential partners, ensuring optimal risk and profitability economics.
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