【財務暨營運支援部】信貸經理 Credit Manager

1. 制定、審查並更新酒店的信貸政策與程序，確保其符合集團規範、當地法規及商業需求。監督信貸政策的有效執行。 2. 負責所有新舊客戶的信用審核與評估，包括旅行社、企業客戶、團體預訂等，分析其財務狀況與信用風險，並決定信貸額度與支付條款。 3. 監督並管理所有應收賬款的追蹤與回收工作，確保款項及時入賬。處理逾期賬款，採取適當的催收措施，必要時啟動法律程序。 4. 持續監控客戶的信用狀況，識別潛在的信用風險，並採取預防措施。定期進行壞帳準備金的評估與調整。 5. 與業務、訂房、前台、餐飲等部門密切合作，確保信貸政策的順暢實施與信息共享，協調解決信貸相關問題。 6. 定期編制信貸狀況報告，包括應收賬款帳齡分析、壞帳率、回收效率等，並進行相關財務分析，為管理層提供決策依據。 7. 在需要時，領導和培訓信貸部門的團隊成員，提升其專業能力和工作效率。 Credit Policy Development & Execution Develops, reviews, and updates the hotel's credit policies and procedures, ensuring compliance with group standards, local regulations, and business needs. Oversees the effective implementation of credit policies. Client Credit Assessment Responsible for the credit review and assessment of all new and existing clients, including travel agencies, corporate clients, and group bookings. Analyzes their financial status and credit risk, and determines credit limits and payment terms. Accounts Receivable Management Monitors and manages all accounts receivable tracking and collection efforts, ensuring timely payment. Handles overdue accounts, taking appropriate collection measures and initiating legal proceedings if necessary. Continuously monitors client credit status, identifies potential credit risks, and implements preventive measures. Regularly evaluates and adjusts bad debt provisions. Cross-Departmental Collaboration Works closely with Sales, Reservations, Front Office, F&B, and other departments to ensure smooth implementation of credit policies and information sharing, and to resolve credit-related issues. Reporting & Analysis Prepares regular credit status reports, including accounts receivable aging analysis, bad debt ratios, and collection efficiency. Conducts relevant financial analysis to provide management with decision-making support. This position reports to the Director of Finance & Business Support. The Credit Manager is responsible for managing the hotel's overall credit risk, ensuring effective management and collection of accounts receivable, maintaining a healthy financial position, and providing professional credit advice for hotel operational decisions. This role is crucial in safeguarding the hotel's assets and cash flow stability.