012 Oficial Crédito y Cobro

San Juan, Puerto Rico
Full Time
RAPR
Experienced

Oficial de Crédito y Cobro

Objetivo del Puesto:

El Oficial de Crédito y Cobro es responsable de la gestión, evaluación y seguimiento de los créditos otorgados a clientes, así como de las actividades de cobranza, para asegurar el cumplimiento de los pagos de acuerdo con las políticas y procedimientos establecidos por la empresa. Su labor es clave para la minimización de riesgos financieros y para mantener una liquidez adecuada en la organización.

Funciones Principales:

  1. Evaluación de Solicitudes de Crédito:

    • Analizar las solicitudes de crédito de nuevos clientes, revisando su historial crediticio, capacidad de pago y otros criterios relevantes.
    • Determinar límites de crédito y condiciones de pago para cada cliente, conforme a la política interna.

  2. Gestión de Cobranza:

    • Realizar el seguimiento de las cuentas por cobrar, asegurando que los pagos se efectúen dentro de los plazos establecidos.
    • Contactar a los clientes morosos para negociar y coordinar pagos, ofreciendo soluciones viables para la recuperación de la deuda.
    • Generar y enviar recordatorios de pago a clientes.

  3. Monitoreo de Cuentas:

    • Realizar el monitoreo constante de las cuentas por cobrar, identificando posibles riesgos de impago y tomando medidas preventivas.
    • Elaborar informes de cartera vencida y presentar a la gerencia.

  4. Asesoría a Clientes:

    • Proporcionar información y soporte a los clientes sobre sus cuentas, términos de crédito y alternativas de pago.
    • Aconsejar a los clientes sobre cómo mejorar su historial crediticio.

  5. Actualización de Información Crediticia:

    • Mantener actualizada la base de datos de clientes, reflejando cambios en los créditos, pagos y cualquier modificación relevante.

  6. Elaboración de Reportes Financieros:

    • Elaborar informes periódicos sobre el estado de la cartera de clientes, cobranzas realizadas y proyecciones de flujo de efectivo.

  7. Cumplimiento de Políticas:

    • Asegurar que todas las gestiones de crédito y cobranza cumplan con las normativas internas y externas, garantizando la legalidad de las transacciones.

Requisitos:

  •  Bachillerato en Administración de Empresas, Contabilidad, Finanzas o áreas afines.
  • Experiencia: Mínimo 2 años de experiencia en puestos similares en el área de crédito y cobranza.
  • Conocimientos: Conocimiento en evaluación de crédito, gestión de cobranza, manejo de cuentas por cobrar, y manejo de software contable y ERP.
  • Experto en Excell
  • Bilingue - Español e Ingles
  • Habilidades:
    • Capacidad de negociación.
    • Orientación al cliente.
    • Atención al detalle y capacidad analítica.
    • Buenas habilidades de comunicación, tanto verbal como escrita.
    • Proactividad y capacidad para trabajar bajo presión.

Condiciones del Puesto:

  • Jornada laboral: Tiempo completo
  • Lugar de trabajo: En oficina (según las políticas de la empresa)..

“Patrono con igualdad de oportunidades en el Empleo. Todos los solicitantes calificados recibirán consideración para empleo sin distinción de raza, color, religión, sexo, embarazo, orientación sexual, identidad de género, origen nacional, edad, status como veterano protegido o discapacidad física o mental".

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