Compliance Credit Risk Executive

### Responsibilities **1. Regulatory Compliance & KYC** - Regulatory Adherence: Ensure full compliance with all applicable local and international regulations, with a strong focus on AML/CFT, sanctions, and maritime trade regulations. - Counterparty Due Diligence: Perform robust Know Your Customer (KYC) and Customer Due Diligence (CDD) checks for onboarding new clients and conducting periodic reviews of existing ones. - Risk Categorization: Assess and classify counterparties into high, medium, and low-risk profiles based on defined compliance frameworks. - Transaction Monitoring: Actively monitor transactions for suspicious activities, flag potential anomalies, and escalate compliance breaches or risks in a timely manner. - Audit Support: Maintain meticulous documentation in alignment with regulatory standards; support both internal and external audits to ensure flawless record-keeping. - Market Intelligence: Stay abreast of evolving regulatory changes and global sanctions impacting marine fuel operations. **2. Credit Risk & Portfolio Management** - Credit Evaluation: Conduct comprehensive credit assessments for new and existing customers, including in-depth financial analysis and risk profiling. - Limit & Terms Management: Review, recommend, and establish credit limits and payment terms while continuously monitoring counterparty exposure in highly volatile markets. - Exposure Monitoring: Track customer credit exposure daily to ensure strict adherence to approved limits and proactively recommend mitigation measures to reduce risk. - Reporting: Prepare daily credit risk reports and distribute them to the Trading Department prior to the start of trading hours. - Breach Coordination: Coordinate across departments when credit limits are exceeded, and secure ad-hoc management approvals in accordance with credit policy when justified. **3. Receivables Management & Cross-Functional Collaboration** - Aging Analysis: Monitor accounts receivable, proactively highlighting overdue accounts, payment delays, or potential default risks. - Dispute & Collection Resolution: Partner with internal cross-functional teams and external parties to resolve outstanding payment issues and collection disputes. - Stakeholder Alignment: Collaborate closely with the Accounts and Trading teams to balance effective risk management with business enablement. **4. Trade Finance & General Operations** - Trade Finance Support: Facilitate basic trade finance operations, including the issuance of Letters of Credit (LCs) and managing settlements/payments under LCs. - Ad-Hoc Duties: Perform other related duties and special projects as assigned by management to support business agility. ### Required Education and Experience - Diploma/Degree in Finance, Accounting, Business, Maritime Studies, or related field. - 3–5 years of direct credit risk experience and compliance, or trade finance. - Strong financial analysis skills, including interpretation of financial statements, leverage metrics, and liquidity assessment. - Experience assessing counterparty risk across traders, producers, processors etc. - Strong communication skills to explain credit decisions clearly to traders, management and stakeholders. - Ability to operate effectively in a fast-paced trading environment. - Pragmatic and solutions-oriented mindset, balancing risk control with commercial objectives. - Integrity, attention to detail, and accountability. - Trade finance background is an added advantage. - Experience in bunkering, shipping, oil trading, or commodity trading is an advantage.