Credit Officer-Al Khartoom

Hikma Pharmaceuticals

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Complete L/C's applications, including credit analyses and summaries of L/C's requests and procedures.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Review individual or commercial customer files to identify and select delinquent accounts for collection.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Consult with customers to resolve complaints and verify financial and credit transactions.
• Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Prepare collection reports
• Helping with any clients complains

Skills

a) Problem Solving
The principle problem solving areas are; co-ordinate with all departments in order to achieve the Collection targets on the agreed timeframe.
b) Customer Orientation and Personal Service -- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

Knowledge:
a) Good knowledge of Collection Cycle process and requirements.
b) Economics and Accounting -- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
c) Computer and English Language: XP Professional and Fluently English speaker.
d) Clerical Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
e) Administration and Management -- Knowledge of business and management principles involved in strategic planning, resource allocation, , leadership technique, and coordination of people and resources.
Experience:
• 5 years experience in banking or working in any of other financial institutes are preferable

Company Profile

Hikma’s mission is to reach world markets in supplying quality products at affordable prices by developing, manufacturing and marketing products that improve the quality of life for people around the globe.

Hikma is a multinational pharmaceutical group of companies producing high quality pharmaceutical products in finished dosage forms. Hikma has a long-standing history of leadership as a key player in the pharmaceutical market in the MENA (Middle East North Africa) region dating back to the seventies.

Hikma has four major facilities that operate in its core area of business: Hikma Pharmaceuticals (Jordan), Hikma Farmaceutica (Portugal), West-ward (USA), and Jazeera Pharmaceutical Industries (Saudi Arabia).

In 1995, Hikma became the first and only Arab pharmaceutical company to obtain the prestigious and stringent US Food and Drug Administration (FDA) approval to sell some of its products in the US. Hikma was also the first Arab pharmaceutical company to obtain the British Medicines and Health Care Products Regulatory Agency (MHRA) approval to sell some of its products in the United Kingdom in 1996.

Hikma Pharmaceuticals (Jordan) has three different production facilities:
*General formulation plant established in 1978.
*Sterile formulation plant established in 1984.
*Penicillin formulation plant established in 1988.

Hikma Pharmaceuticals currently holds licensing agreements with leading international pharmaceutical companies allowing it to manufacture and distribute certain products exclusively in the MENA region

Hikma Pharmaceuticals has a large integrated team of marketing personnel and medically qualified scientific officers located in more than 20 offices worldwide who sell products through a network of distributors. Hikma currently operates in over 30 countries in the world.

A firm believer in social responsibility since its inception, Hikma has always contributed to the communities it operates from.