Cargill Senior Credit Analyst in Ho_Chi Minh City, Vietnam

Senior Credit Analyst

Cargill provides food, agriculture, financial and industrial products and services to the world. Together with farmers, customers, governments and communities, we help people thrive by applying our insights and over 150 years of experience. We have 150,000 employees in 70 countries who are committed to feeding the world in a responsible way, reducing environmental impact and improving the communities where we live and work.


Compliancy to Platform Credit Policies and Locations Credit Annex in the day-to-day activities

  • Ensure self-compliancy to the policies in the day to day activities

  • Help to identify any elements of non-compliancy to the policies

  • Actively providing input to the credit manager in improving local processes or defining follow-up action plan to address such non-compliancy

  • Develop others in gaining understanding of the credit policies and processes – formal or informal basis

Credit decision making and management

  • Perform independent credit assessments on credit requests

  • Approve credit exposure request within the delegated approval authority

  • Ensure proper documentation in place as required by the policy and or credit approval

  • Review BGL and work closely with banks for BGL for customers (if any)

  • Work with banks for guarantee supports or insurer for credit underwriting

  • Provided guidance to Commercial team for guarantee or collateral procedures

  • Work closely with Regional Sales Managers / Sales Managers for credit renewal / withdrawal / review effectiveness of credit support to customers

  • Ensure accurate and prompt update of customer credit information in the system and master file as per the credit approval

  • Actively work with the commercial team in debt repayment plan of overdue/bad debt customers

  • Perform customer visit to develop understanding of the market and business requirement and demonstrate such understanding in his/her credit decision

  • Work with commercial team and remaining Finance function to achieve local credit targets

Credit Collection

  • Work with the AR team and commercial team to ensure good collection practice as required in local credit annex

  • Work with legal team on bad debt recovery

  • Provide input in the level of bad-debt reserves to the locations controller based on his/her understanding of the customer

  • Improve and or establish collection process and or strategy to achieve credit targets

Reporting & monitoring

  • Actively monitor and oversee the designated customer portfolio e.g. over limit and past-due

  • Prompt and accurate delivery of month-end credit report and provide insights on the key changes to the portfolio performance

  • Weekly credit meeting with the stakeholders of his/her designated portfolio to discuss credit issues and or future requirement

  • Provide timely alerts to the credit manager on key industry and or social economic events in the locations and give analysis on potential impact to the portfolio

Other Project as required by the credit organization and the locations such as system and process roll-out

Other Project as required by the credit organization and the locations such as system and process roll-out


  • Bachelor degree in finance or equal through experience

  • Minimum 3 years hands-on working experience in assessing credit risk and/or financial analysis in manufacturing or banking sector

  • Experience/Knowledge of agriculture sector is preferable

  • Working knowledge in collection and dealing with legal cases are preferable

  • Ability to travel up and work at the plant of the assigned business

  • Ability to travel 30% of the time into location’s sites and key customers

  • Fluent English (spoken & written)

  • IT knowledgeable (advanced excel user)

  • Strong communication skills, ability to partner and engage with multiple functions/stakeholder groups

  • Strong analytical skills

  • Tenacity, Independent, Customer focused

Job Finance/Accounting

Primary Location Vietnam-65-Ho_Chi Minh City

Schedule Full-time

Job Type Standard

Shift Day Job

Req ID: HO_00192