Christian Losch

Experience

• 

  Volksbank im Siegerland

  Aug 2002 - Jan 2005

  Training as a Bank Officer

  Banking and finance, economics, accounting, banking law, customer consulting

• 

  Volksbank im Siegerland eG

  Feb 2005 - Sept 2006

  Bank Officer

  Deputy branch office manager, consultant for private customers, monitoring of debtor lists and maturities of investments

• 

  Société Générale

  Mar 2011 - Sept 2011

  Credit Analyst

  Check of Creditworthiness of private customers, writing credit reports, preparation of contracts as well as customer relation management

• 

  Siemens

  Oct 2011 - Aug 2016

  Credit Analyst

  Undertaking risk assessment analysis for corporates; Assessing, analysing, and interpreting of financial information to determine the propability of default; Preparing reports about the degree of risk;

• 

  Eastman

  Sept 2016 - Mar 2019

  Credit Representative / Global Credit Analyst

  Credit Representative:• Analyzing customer financial position in order to establish and maintain credit limits for trade customers .• Leading multifunctional group as needed to solve specific customer credit problems.• Credit collections; achieve DSO and working capital targets.• Communication with customers and internal business partners.Global Credit Analyst (since June 2017):• Global Vocal Point for one of Eastman's Business Units;• Global Business Unit contact for all credit related topics;• Credit analysis for global accounts (Business Unit customers);• Supporting other credit represenatatives globally around topics of the assigned Business Unit; Show less

• 

  Vinmar International

  Apr 2019 - Apr 2022

  Senior Credit Analyst

  • Approving or endorsing credit lines by investigating, analyzing, and verifying financial status and reputation of prospective customers. Managing special credit arrangements and deviations fromstandard terms of payment.• Maintain credit files in accordance with policy reflecting support for credit decisions, required information to comply with applicable audit and trade credit insurer claim requirements.• Thorough understanding of customer portfolio as well as country geopolitical risk in region. Provide insight and recommendations to management as appropriate.• Temporary EMEA Credit Manager between January 2021 and June 2021. Show less

• 

  Elsevier

  May 2022 - now

  Senior Credit Analyst

  • Credit Risk Management: Overseeing credit risk specific aspects of a large sized cutomer portfolio (Europe, Latam America); Assessment of country risks and customer credit default risks; approval of large-sized deals, credit limits, payment terms and payment plans; order release management;• Stakeholder Management: Credit vocal point for Sales, Finance, Taxes, Collections and Legal (all management levels).• Overseeing and Support of Collections: Close collaboration with team of overseas Collectors and guidance to achieve the region's cash flow targets.In addition, Interim Regional Manager Credit & Collections EMEALA since October 2022:• 17 team members;• Regional Cash Flow responsibility;• Performance management of all credit related tasks in the region to achieve respective KPIs; Show less