Applies developed subject matter knowledge to solve common and complex business issues within established guidelines and recommends appropriate alternatives.
Works on problems of diverse complexity and scope. May act as a team or project leader providing direction to team activities and facilitates information validation and team decision making process.
Exercises independent judgment within generally defined policies and practices to identify and select a solution. Ability to handle most unique situations.
May seek advice in order to make decisions on complex business issues.
Uses financial statements to independently determine the financial condition of customers and decides credit limit recommendations for medium monetary value customers.
Manages accounts of customers with medium credit limits independently.
Resolves credit issues independently.
Presents credit recommendations to management.
Negotiates down payments with customers of and HP sales staff to allow customer to purchase above their credit limit.
Analyzes and researches customer's receivables account delinquency and determines the type of communication method to facilitate payment.
Resolves disputes related to customer payment on delinquent accounts and negotiates and ensures payment from customer.
Recognizes trends for non- payment and resolves the issues by engaging internal partners at all levels.
Initiates the dispute resolution process with internal HP partners and follows issue and ensures resolution for HP and customer.
Analyzes at-risk customers and partners and recommends account strategies to prevent delinquencies.
May train new team members.
Education and Experience Required :
First level university degree with a focus in business or economics; MBA preferred.
Typically 5+ years of experience in corporate / commercial or banking Credit.
Knowledge and Skills :
Strong written and verbal communication, negotiation, and conflict resolution skills.
Developed accounting knowledge.
Solid problem solving skills.
Good computer skills.
Developed prioritization skills.
Solid understanding of risk mitigation tools.
Basic relationship building skills.
Basic influence skills.
Basic project management skills.
Basic leadership skills.
Advanced understanding of collection processes, financial principles and channel partners.
Advanced understanding of HP's dispute management process.
Strong understanding of collection processes and financial concepts.
Strong understanding of customer's internal payment processes.
Strong influence skills.
Desirable Skills of the Future :