资深财务分析员，信贷
业务部门: 财务部
工作地点-国家/地区: 上海, 中国
职位介绍：
作为资深信贷分析员，您的主要职责是协助完成公司内部信用审查工作以及监控合作企业的财务状况，以确保上海迪士尼度假区国内外的合作企业的信用风险能被有效识别且缓释。您将协助部门修订现有信用评级标准，负责行业分析和企业背景调查，并撰写信用分析报告，以优化信用管理的效率，通过选择信誉良好的合作伙伴，帮助上海迪士尼度假区能实现稳定的业务增长。
工作内容：
o 了解市场趋势、宏观经济、监管变化，负责监控重点行业的动态、趋势及发展并提供分析和评估，主要针对于建筑、餐饮、零售、广告、旅游、第三方支付、电子商务行业等
o 负责对合作企业的最新背景信息、产品、项目经验、经营规模及多样性的在线搜索及调查工作，以便完成该企业的信用评级审核
o 负责对合作企业进行深入的财务分析和持续性的风险监控，撰写信用分析报告并总结合作企业的集团背景、经营表现和财务状况，以便于对其进行审批并提出规避信用风险的缓释工具及业务解决方案
o 定期监测合作企业的经营动态，加强对其非财务因素评估，并结合在线搜索及调查，为相关业务部门提供每月信用预警
o 能依据所学的知识和经验，协助部门修订并完善信用评级体系，以提高其适用性并优化企业内部的信用评估管理工作
我们希望您：
o 本科或硕士，金融或会计相关专业优先
o 拥有至少3-5年跨国公司信用风险管理相关工作经验，有银行、信用保险或信用评级公司工作经验者优先
o 拥有扎实的信用风险管理知识，有评估信控流程效率、量化分析和实施解决方案的经验
o 在信用评估、风险评测及风险缓释等方面具有较强的搜索、研究及分析能力
o 较强的工作灵活性和适应能力，能适应快节奏工作环境
o 批判性思维，逻辑思维强
o 优秀的英语书面和口头表达能力
o 较强的商务沟通能力，熟练掌握办公应用软件，如Excel和PowerPoint
关于上海迪士尼度假区：
作为全球家庭娱乐业的领军企业之一，上海迪士尼度假区为我们的游客带来独具一格的服务和珍藏一生的记忆。加入我们，在这个充满奇幻、想像、创意和探险的全新世界里，为每年数以百万的度假区游客创造欢乐。无论您的迪士尼旅程走向台前还是幕后，您都拥有无限机遇。
* 我们致力于提供平等的就业机会，欢迎残障人士申请职位。
* 具体的福利基于职位有所不同，可能根据公司政策进行调整。
* 上海迪士尼度假区不会委托任何人或第三方机构向求职者收取费用。候选人请务必通过度假区官方招聘渠道获取度假区招聘的相关资讯。
Senior Financial Analyst, Credit
Line of Business: Finance
Location: Shanghai, China
Job Summary:
As a Senior Credit Analyst, your primary duty is to perform in-house credit management and monitor the portfolio to identify credit risk and mitigation of SHDR counterparties locally and globally. You will need to support the refinement of credit rating structure, conduct industry analysis and corporate background check, and draft credit review report, propose valuable credit recommendation, to optimize credit management efficiency, enabling SHDR to achieve business growth in coordination with creditworthy counterparties.
Key Responsibilities:
o Stay up-to-date on recent market trend, macro-economic, regulatory changes, and monitor and assess the trends and development in key industries, mainly in construction, catering, retail, advertising, tourism, payment, E-commerce, and etc.
o Conduct online research investigation of assigned counterparties’ latest background information, products, experiences, operating scale and diversifications, to facilitate credit scorecard population and credit rating classification
o Perform in-depth financial analysis and on-going monitoring on assigned counterparties’ credit risk, and draft credit review report by summarizing key points of group background, operating status, and financial position, to accomplish credit approvals and propose risk mitigation vehicles and business solutions
o Conduct regular monitoring on business operation status and changes, share timely information as well as relevant business implications on counterparties, to strengthen non-financial factors evaluation through providing monthly credit alert to main commercial LOBs
o Be able to leverage your learnings and experiences to support the refinement of credit scorecard and rating criteria to improve the applicability of credit rating structure and optimize in-house credit assessment for uncertainties
Desired Qualifications:
o Bachelor's degree or above (major in Finance or Accounting is preferred)
o At least 3-5 years credit risk management experience in multinational corporations, working experience in banking, credit insurance or credit rating companies is a plus
o Good knowledge of credit management, experience in assessing credit process efficiencies, quantifying opportunities and implementing solutions
o Strong research and analytical skills in relation to credit assessments, risk scoring, risk mitigation, and etc.
o Flexible and embraces diversity of job tasks, able to work under fast-paced environment
o Critical thinking and logical thinking
o Excellent in written and verbal English skills
o Strong business communication skills, both verbally and through the use of PowerPoint and Excel
About Shanghai Disney Resort:
As one of the worldwide leaders in family entertainment, Shanghai Disney Resort delivers legendary service and a lifetime of memories for our guests. Joining us in a new world of fantasy, imagination, creativity and adventure involves creating happiness for the millions of guests who visit our Resort each year. Whether your career journey here is onstage or backstage, there are almost unlimited opportunities for growth and personal development at Shanghai Disney.
* We are committed to providing equal employment opportunities and welcome applications from candidates with disabilities.
* Specific benefits vary between different roles and may be adjusted according to company policy.
* Shanghai Disney Resort does not charge a fee to submit job applications and has not authorized any individual or company to charge to do so. Please always check our official channels or platforms for the most relevant recruitment information.
