崗位職責(zé)是什么
信控崗位是企業(yè)中負(fù)責(zé)管理與控制信用風(fēng)險(xiǎn)的關(guān)鍵職位，其主要任務(wù)在于維護(hù)公司的財(cái)務(wù)健康，確保業(yè)務(wù)運(yùn)營的穩(wěn)定性和可持續(xù)性。
崗位職責(zé)要求
1. 具備深厚的財(cái)務(wù)知識和風(fēng)險(xiǎn)管理經(jīng)驗(yàn)，能夠準(zhǔn)確評估和預(yù)測潛在的信用風(fēng)險(xiǎn)。
2. 熟悉相關(guān)法律法規(guī)，尤其是關(guān)于信貸和風(fēng)險(xiǎn)管理的政策規(guī)定。
3. 具備數(shù)據(jù)分析能力，能從大量數(shù)據(jù)中提取關(guān)鍵信息，識別風(fēng)險(xiǎn)趨勢。
4. 良好的溝通協(xié)調(diào)技巧，能與各部門有效協(xié)作，共同應(yīng)對風(fēng)險(xiǎn)挑戰(zhàn)。
5. 善于制定和執(zhí)行風(fēng)險(xiǎn)控制策略，以預(yù)防和減少不良資產(chǎn)的發(fā)生。
崗位職責(zé)描述
信控人員需密切關(guān)注企業(yè)的信貸業(yè)務(wù)，通過建立和優(yōu)化信用評估體系，對客戶進(jìn)行信用評級，確保信貸資源的合理分配。他們需要定期分析和報(bào)告信用風(fēng)險(xiǎn)狀況，以便管理層及時(shí)了解風(fēng)險(xiǎn)動態(tài)，并據(jù)此做出決策。此外，信控人員還需參與制定和完善內(nèi)部風(fēng)控流程，確保合規(guī)操作，降低違約風(fēng)險(xiǎn)。
有哪些內(nèi)容
1. 客戶信用評估：收集并分析客戶財(cái)務(wù)數(shù)據(jù)，制定信用評分卡，評估潛在客戶的還款能力和意愿。
2. 風(fēng)險(xiǎn)監(jiān)控：持續(xù)跟蹤已貸款客戶的信用狀況，預(yù)警可能的違約風(fēng)險(xiǎn)，提出應(yīng)對措施。
3. 風(fēng)險(xiǎn)策略制定：參與構(gòu)建和完善企業(yè)風(fēng)險(xiǎn)管理體系，包括風(fēng)險(xiǎn)識別、評估、控制和緩釋策略。
4. 內(nèi)部流程審核：審查和優(yōu)化信貸審批、貸后管理等流程，確保風(fēng)險(xiǎn)控制的有效性。
5. 報(bào)告與溝通：定期向管理層匯報(bào)信用風(fēng)險(xiǎn)情況，與銷售、市場等部門協(xié)調(diào)，平衡風(fēng)險(xiǎn)與收益。
6. 法規(guī)遵從：熟悉并遵守相關(guān)信貸法規(guī)，確保業(yè)務(wù)操作合規(guī)，規(guī)避法律風(fēng)險(xiǎn)。
7. 培訓(xùn)與指導(dǎo)：對內(nèi)部員工進(jìn)行信用風(fēng)險(xiǎn)知識培訓(xùn)，提高全員的風(fēng)險(xiǎn)意識。
信控崗位的工作既需要專業(yè)嚴(yán)謹(jǐn)，又需要靈活應(yīng)變，旨在為企業(yè)創(chuàng)造一個(gè)安全、穩(wěn)健的信貸環(huán)境，保障企業(yè)的長期發(fā)展。通過精確的風(fēng)險(xiǎn)識別和有效控制，信控人員在企業(yè)中扮演著守護(hù)者的角色，為公司的財(cái)務(wù)安全筑起堅(jiān)實(shí)的防線。
信控崗位職責(zé)范文
第1篇 信控經(jīng)理崗位職責(zé)
信控經(jīng)理 達(dá)瑞生物 廣州市達(dá)瑞生物技術(shù)股份有限公司,達(dá)瑞生物,達(dá)瑞 崗位職責(zé):
1、搭建及完善公司風(fēng)控管理架構(gòu),制定風(fēng)控管理方案,提供科學(xué)的信用評估,為公司的經(jīng)營發(fā)展活動提供決策依據(jù);
2、制定并執(zhí)行公司客戶信用管理制度,編制客戶信用情況分析報(bào)告,科學(xué)分案管理及靈話調(diào)整應(yīng)對策略,針對重點(diǎn)客戶時(shí)時(shí)監(jiān)控,及時(shí)預(yù)警,具體分析問題原因,及時(shí)提出改善建議并落實(shí)措施的執(zhí)行;
3、收集客戶風(fēng)險(xiǎn)信息,根據(jù)宏觀經(jīng)濟(jì)、行業(yè)、市場變化情況及風(fēng)險(xiǎn)管理要求,為銷售決策提供依據(jù);
4、主導(dǎo)與公司各事業(yè)部的溝通協(xié)作,督促一線業(yè)務(wù)對客戶的跟進(jìn),最大程度的保障公司和事業(yè)部合法收益和財(cái)產(chǎn)安全。
任職要求:
1、本科或以上學(xué)歷,財(cái)務(wù)或法律相關(guān)專業(yè);
2、有企業(yè)應(yīng)收款管理經(jīng)驗(yàn),至少3年以上管理崗位經(jīng)驗(yàn),成熟穩(wěn)重,管理手段嫻熟;
3、優(yōu)秀的數(shù)據(jù)分析和文字表達(dá)能力;較強(qiáng)的發(fā)現(xiàn)問題及處理問題的技巧;具有良好的應(yīng)急處理能力;
4、良好的邏輯性、判斷力、抗壓性強(qiáng),高度責(zé)任心,具備優(yōu)秀的職業(yè)經(jīng)理人素養(yǎng);
5、語言感染力強(qiáng),良好的溝通協(xié)調(diào)能力,善于學(xué)習(xí)總結(jié);
6、適應(yīng)全國性出差。
第2篇 財(cái)務(wù)信控崗位職責(zé)
(43)collection specialist 信控專員 (財(cái)務(wù)部)) 康普通訊 康普通訊技術(shù)(中國)有限公司,康普,康普通訊,康普 responsibilities:
1.engage in aggressive collection activities for assigned customers through constant communication with the customer via telephone, email, fa_ or written correspondence. must communicate with customer contacts at all organization levels. maintain updated records in sap and files on customers detailing all corresponding collection activities.
2.analysis customer’s background info & financial info, give proper proposal on credit term & credit limit.
3.analyze and investigate customer payment discrepancies. work in conjunction with other support groups including invoicing, sales, customer service and contracts departments to resolve disputes and reconcile accounts. provide documentation to customer to resolve outstanding balances with e_planations including invoice copies, proofs of delivery and statement of account. troubleshoot internal problems that may delay payment.
4.develop and implement proactive collection procedures to reduce days sales outstanding and past due percentages and improve corporate cash flow. this position works with medium to large customers to develop processes to consolidate collection accounts in order to facilitate the payment process. reconcile customer balances with focus on resolving payment discrepancies within 60 days.
5.bring potential bad debt situations to the attention of the credit manager. remain informed of credit approval procedures and decide whether a customer should be placed on credit hold or credit block. recommend collection agency/attorney action on seriously past due accounts. keep sales and customer service personnel at all levels aware of customer account status.
6.generate weekly aging report to analyze and determine which accounts to aggressively pursue collection activities.
7.generate monthly report for apac areas.
8.perform related duties as assigned.
qualifications:
1.bachelor’s degree in business/accounting plus two years of e_perience or a minimum of 5 years collection/accounts receivable or related e_perience; e_perience must include progressive collections with medium to large size multinational customers, $2,000,000 to $10,000,000 in a/r balances. knowledge of accounting and thorough understanding of invoicing and credit/collections procedure. e_cellent written and verbal communication skills in english. fle_ible and adaptable to constantly changing priorities. ability to maintain composure under pressure and high stress customer situation.
2.ability to communicate effectively with others.
3.prompt response to issues and ability of problem shooting foreseeingly.
4. pc proficiency utilizing microsoft office products and sap systems.
