Credit & Collection Analyst - Abunayyan Holding

Role Purpose

The Credit and Collection Officer is responsible for supporting customer credit evaluation, managing accounts receivable, and ensuring timely collections. This role also includes handling Letters of Credit (LC), Letters of Guarantee (LG/BG), and maintaining accurate customer records in compliance with financial policies. The role plays a key part in maintaining healthy cash flow, minimizing credit risk, and ensuring compliance with internal control standards and trade finance procedures.

Key Accountabilities

Credit Management

• Apply company credit policies and support in setting customer credit limits.
• Analyze financial statements and credit reports to assess creditworthiness.
• Ensure proper documentation and approval processes are followed for all credit activities.
  
  

Collections and Payment Follow-up

• Monitor accounts receivable aging reports and follow up with customers on overdue payments.
• Communicate with internal and external stakeholders to resolve payment disputes.
• Visit customers, if necessary, to follow up on pending collections, including private and government clients.
  
  

Trade Finance (LCs and LG/BGs)

• Review and validate Letters of Credit and Letters of Guarantee with banks and customers.
• Track expiry, utilization, and ensure documentation compliance.
• Coordinate with concerned departments to ensure correct handling of guarantees and trade instruments.
  
  

Accounts Receivable Operations

• Maintain accurate and up-to-date customer ledgers.
• Process customer receipts and reconcile accounts on a regular basis.
• Support with customer balance confirmations and reporting.
  
  

Reporting and Documentation

• Prepare credit and collection reports for management.
• Document all communication and actions related to collection efforts.
• Ensure records are audit-ready and compliant with internal controls.
  
  

Customer Relationship Management

• Serve as a primary contact for customer inquiries related to credit or payments.
• Build professional relationships with customers while maintaining company credit standards.
  
  

Job Specifications

• Bachelor’s degree in Finance, Accounting, or a related field.
• 1–3 years of relevant experience in credit, collections, or AR roles.
• Basic knowledge of trade finance and familiarity with LC and LG/BG handling is preferred.
• Proficiency in Microsoft Excel; experience with ERP systems such as SAP is a plus.
• Good command of English language.
• Strong communication, analytical, and problem-solving skills.
• Ability to work independently and within a team.