Make an impact with NTT DATA
Join a company that is pushing the boundaries of what is possible. We are renowned for our technical excellence and leading innovations, and for making a difference to our clients and society. Our workplace embraces diversity and inclusion – it’s a place where you can grow, belong and thrive.
Your day at NTT DATA
The Associate Credit Analyst works under the supervision of a senior manager and has the core responsibility to learn the skills related to the process of evaluating the creditworthiness of clients or any other external parties seeking IT services, solutions, or products on credit.
This role involves supporting with the analysis of financial data, credit reports, and other relevant information to determine the risk associated with extending credit terms to external parties.
Key responsibilities:- Supports with the activities relating to the review of credit applications from potential clients.
- Assists with the analysis of financial statements, income statements, balance sheets, cash flow statements, and tax returns to evaluate the financial health of clients
- Learns how to assess the credit risk associated with each client and how to assign appropriate credit limits based on established credit policies and risk criteria.
- Under supervision, utilizes the credit scoring models and/or credit analysis techniques to determine credit ratings and provide recommendations for credit approval or rejection.
- Ensures compliance with the relevant credit policies, credit terms, and guidelines.
- Supports with preparing comprehensive credit analysis reports, including key findings and risk assessments, for presentation to relevant stakeholders.
- Supports with regularly monitoring existing client accounts, conducting credit reviews, and recommending credit limit adjustments as necessary.
- Stays informed about the IT industry and market trends that may impact clients' credit risk.
- Assists with maintaining accurate and up-to-date credit files and documentation for each client.
- Identifies opportunities for process improvements in credit evaluation and analysis procedures and suggests enhancements to streamline workflows.
- Performs any other credit analysis duties as required by the role.
To thrive in this role, you need to have:- Good interpersonal skills with the ability to engage with clients in a professional and tactful manner.
- Displays good attention to detail with the ability to produce high quality work.
- Good verbal and written communication skills.
- Deadline driven with the ability to cope with stressful situations and different personalities.
- Ability to take own initiative and have a solutions-orientated approach.
- Proactive approach with the ability to think ahead in a fast-paced environment.
- Working knowledge of accounting practices and principles.
- Understanding of financial statements, credit analysis, and risk assessment methodologies
Academic qualifications and certifications:- Bachelor's degree or equivalent in Finance, Accounting, Economics, or a related field preferred.
Required experience:- Entry level experience as a Credit Analyst or in a similar financial analysis role is preferred.
- Entry level of experience with accounting software.
- Entry level of experience within finance in a company with international operations.
- Basic relevant experience working with large corporate clients.
Workplace type:
On-site Working
About NTT DATA
NTT DATA is a $30+ billion business and technology services leader, serving 75% of the Fortune
Global 100. We are committed to accelerating client success and positively impacting society through
responsible innovation. We are one of the world’s leading AI and digital infrastructure providers, with
unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and
application services. Our consulting and industry solutions help organizations and society move
confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more
than 70 countries. We also offer clients access to a robust ecosystem of innovation centers as well as
established and start-up partners. NTT DATA is part of NTT Group, which invests over $3 billion each
year in R&D.
Equal Opportunity Employer
NTT DATA is proud to be an Equal Opportunity Employer with a global culture that embraces diversity. We are committed to providing an environment free of unfair discrimination and harassment. We do not discriminate based on age, race, colour, gender, sexual orientation, religion, nationality, disability, pregnancy, marital status, veteran status, or any other protected category. Join our growing global team and accelerate your career with us. Apply today.
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