Credit officer

Context & EnvironmentLooking for a new challenge? This Credit Officer role allows you to combine financial analysis, risk management, and business collaboration in an environment that promotes learning and growth. You will join a young and dynamic team where you will have the opportunity to interact daily with the sales teams, management, and cross-functional departments. You will operate in a demanding context where proactive credit risk management is essential to support commercial performance. High complexity: constant vigilance regarding economic challenges, payment deadlines, and procedures. Continuous improvement culture: optimization of tools, digitalization, and automation for greater efficiency. This position requires responsiveness, accuracy, and negotiation skills in a setting where risk prevention is as important as customer relationships.ActivitiesFull portfolio management: Set and annually renew credit lines for clients and prospects based on financial analysis (liquidity, profitability, solvency).Daily reconciliation of customer accounts.Monitor outstanding balances (due and not due) and follow up with clients.Track provisions > 90 days and initiate corrective actions.Manage guarantees.Block and unblock customer orders according our internal procedures.Assist in preparation and validation of SWAPS (hedging).Prepare and organize credit committee meetings with sales and management.Assign credit lines according to our internal procedures.Minimize payment delays, reduce overdue items, and prevent bad debts (Support to sales).Improve DSO and % overdue.Provide regular reporting on portfolio risks.Optimize work tools with IT support Why should you consider this role? Beyond technical responsibilities, this position offers you a truly rewarding experience: Your analyses and recommendations will contribute to financial stability and business growth.This role is a springboard to strengthen your skills in risk management, strategic steering, and leadership. You will thrive within a close-knit team where mutual support and collaboration are core values, fostering Candidate ProfileMaster degree, finance-oriented.Trilingual: French, Dutch, English.Strong communication and negotiation skills in all three languages.Stress-resistant, critical thinking, rigorous, precise, with a good analytical mindExcellent IT knowledge.Assertive Ready to turn your analysis into strategic decisions? Apply today and join "the team" that values collaboration and innovation. Additional InformationTotalEnergies values diversity, promotes individual growth and offers equal opportunity careers.Apply Facebook Email X LinkedIn < About TotalEnergies in Belgium TotalEnergies is a multi-energy company active in the production and supply of energy: oil and biofuels, natural and green gas, renewables, and electricity. In Belgium, TotalEnergies has 3500 employees who are committed to making energy more affordable, clean, reliable, and accessible to the greatest number of people.