Credit Analyst - Amadora

A Snapshot of Your Day · As a Credit Risk Analyst, you perform in-depth customer credit risk assessments, support the implementation of credit policies, and contribute to the development and validation of credit risk models. · You collaborate with internal teams and external serv ...

Descrição do trabalho

A Snapshot of Your Day

As a Credit Risk Analyst, you perform in-depth customer credit risk assessments, support the implementation of credit policies, and contribute to the development and validation of credit risk models.

You collaborate with internal teams and external service providers, provide guidance to junior analysts, and ensure accurate reporting of credit exposures and trends.

Your day is focused on analysis, risk identification, and supporting Siemens Energy globally in making informed credit decisions.

How You'll Make a Difference

Customer Credit Risk Support & Analysis

Conduct detailed customer credit risk assessments and financial analysis.
Perform in-depth analysis of customer financial statements, credit histories, company profiles, and industry trends to assess their creditworthiness.
Assign credit limits aligned with the risk profile.
Responsible for highlighting to the senior management team any anomalies seen in the automated rating model during operational use.
Provide guidance and mentorship to junior credit analysts on rating frameworks and KPIs.

Credit Risk Modelling

Responsible for analyzing the rating and limit model, and supporting the Global Governance Team in its implementation and ongoing maintenance
Collaborate to test and implement changes in credit rating/limit models.
Ensure compliance with established credit management policy frameworks.

Customer Relationship Support

Support regional teams and business units with credit-related inquiries and requirements.
Responsible for providing customer relevant information to external service agencies to ensure the timely delivery of the credit assessment reports
Responsible for coordinating and resolving credit management-related issues with external service providers
Collaborate with the operational team and ensure effective information flow within the function.

Monitoring and Reporting

Prepare and deliver reports on customer credit exposures, trends, and key risk indicators.

Responsible for daily monitoring of external credit rating changes or negative credit events for the existing customer database and providing timely communication to the managers.

Proactively monitor credit customers' financial health and identify early warning signs of potential risk.
Contribute to regulatory and compliance reporting related to credit risk.
Maintain and update credit risk databases and systems to track customer credit performance and payment history.
Support periodic validation and back-testing of rating models to ensure accuracy and compliance.

What You Bring

Education & Background

Bachelor's or Master's degree in Finance, Accounting, Economics, or a related discipline.
Proven analytical expertise with hands-on experience in financial analysis and credit risk assessment.
Strong ability to interpret complex financial data and translate findings into actionable insights for decision-making.
Experience working in a global organization with a good understanding of cross-regional interdependencies.

Minimum of 3 years' experience in customer credit analysis, financial analysis, or a related role within the industrial, energy, or engineering sectors.

Sound knowledge of credit rating methodologies and risk management frameworks.
Track record of working with large, complex organizations or multinational clients is preferred.

Good understanding of the energy and industrial sectors, ideally with exposure to project finance, large-scale supply chains, and relevant market trends.

Awareness of international trade regulations, export controls, and geopolitical risk factors.

Technical & Analytical Skills

Deep understanding of financial statements, credit scoring models, and cash flow analysis.
Solid grasp of customer credit risk frameworks, financial ratios, and credit modeling techniques.
Ability to identify, quantify, and evaluate risks associated with complex projects and customer portfolios.
Highly developed analytical capabilities, with the capacity to interpret and synthesize large data volumes into clear insights.
Exceptional attention to detail and commitment to accuracy, particularly in financial and compliance-related matters.
Proficiency in Microsoft Office (Excel, PowerPoint) and familiarity with credit management software.
Knowledge of the following tools (e.g., SQL, SAP ERP, Tableau, Power BI, Python) will be also valued.
Soft Skills
Strong decision-making and relationship-building skills to collaborate with diverse stakeholders.

Proactively seeks opportunities to leverage automation and new technologies to improve work processes and support the team in adapting to future ways of working.

Languages

Proficiency in English is required; fluency in additional languages (e.g., German, Spanish, Portuguese, etc.) is a plus.

About The Team

The Customer Credit Risk Intelligence team is a global governance function within Treasury & Corporate Finance. This team plays a pivotal role in shaping and overseeing customer-specific credit risk practices across the organization worldwide.

The Customer Credit Intelligence & Analytics Lead will report directly to the Head of Customer Credit Risk Intelligence and will be one of the key governance managers responsible for driving consistency, compliance, and strategic alignment in customer credit-related processes across all regions.

Who Is Siemens Energy

At Siemens Energy, we are more than just an energy technology company.

With ~100,000 dedicated employees in more than 90 countries, we develop the energy systems of the future, ensuring that the growing energy demand of the global community is met reliably and sustainably.

The technologies created in our research departments and factories drive the energy transition and provide the base for one sixth of the world's electricity generation.

Our global team is committed to making sustainable, reliable, and affordable energy a reality by pushing the boundaries of what is possible.

We uphold a 150-year legacy of innovation that encourages our search for people who will support our focus on decarbonization, new technologies, and energy transformation.

Find out how you can make a difference at

Siemens Energy:

https:
//www.siemens-Our Commitment to Diversity

Lucky for us, we are not all the same. Through diversity we generate power. We run on inclusion and our combined creative energy is fueled by over 130 nationalities. Siemens Energy celebrates character – no matter what ethnic background, gender, age, religion, identity, or disability. We energize society, all of society, and we do not discriminate based on our differences.

Rewards

Career growth and development opportunities; supportive work culture
Company paid Health and wellness benefits
Paid Time Off and paid holidays
Parental leave
Opportunity to work with a global team
Additional rewards based on your country will be further discussed with the hiring team


https:
//jobs.siemens-