Financial Analyst

JOB DESCRIPTION: FINANCE ANALYST

Company: DDS Petro Group / DDS Group | Department: Finance | Location: Ho Chi Minh City, Vietnam

Reports to: Finance Manager / Deputy Finance Manager / CFO Office | Employment Type: Full-time

1. Position Overview

The Finance Analyst supports the Finance Department in financial planning, cash flow management, banking coordination, credit facility monitoring, trade finance, debt tracking, management reporting, and financial compliance. This role works closely with banks, accounting, import-export, trading, operations, legal, project, and management teams to support working capital needs, investment activities, and overall financial governance.

2. Key Responsibilities2.1 Banking & Credit Facility Management

•      Maintain relationships with domestic banks and financing partners.

•      Prepare and submit credit facility documents, loan applications, LC applications, and renewal files.

•      Monitor credit facilities by bank: limits, utilization, outstanding loans, LC exposure, collateral, repayment schedules, and covenants.

•      Coordinate with banks for loan disbursement, rollover, repayment, LC issuance/amendment/settlement, and guarantees.

•      Prepare bank memos, explanation letters, and schedules for facility renewal and credit approval.

•      Maintain filing system for bank facilities, credit/security agreements, LC documents, and correspondence.

2.2 Cash Flow & Working Capital Management

•      Prepare and maintain daily, weekly, monthly, and rolling cash flow reports.

•      Monitor all inflows/outflows: collections, supplier payments, loan drawdowns/repayments, interest, LC maturities, taxes, and capex.

•      Identify liquidity gaps and provide early warnings to management.

•      Coordinate with internal teams to collect accurate cash flow inputs.

•      Assist in cash allocation plans and evaluate impact of payment/credit terms and financing costs.

2.3 Trade Finance, LC & Import Finance

•      Monitor all trade finance: import/domestic/UPAS LC, short-term loans, trust receipts, guarantees, and supplier financing.

•      Maintain LC tracker (supplier, cargo, bank, amount, type, maturity, fees, settlement status).

•      Review commercial terms in import contracts: payment terms, pricing formulas, LC maturity, and settlement conditions.

•      Monitor impact of MOPS/Platts pricing, FX rates, interest rates, and freight costs.

•      Follow up on LC deadlines: issuance, amendment, document acceptance, payment, and settlement.

2.4 Debt, Loan & Financing Cost Monitoring

•      Monitor outstanding loans by bank, facility, maturity, interest rate, and repayment schedule.

•      Maintain debt, interest, and fee schedules; track upcoming maturities and banking charges.

•      Analyze financing costs by bank, loan type, cargo, business unit, and project.

•      Prepare debt reports: total exposure, maturity profile, interest cost, and available facilities.

•      Coordinate with Accounting to reconcile loan balances, interest expenses, and banking fees.

2.5 Receivables, Payables & Collections

•      Monitor AR/AP, collection schedules, payment schedules, and overdue balances.

•      Prepare receivable/payable aging reports and payment obligation schedules.

•      Follow up on overdue receivables and alert management on high-risk customers and critical payments.

2.6 Financial Planning, Budgeting & Forecasting

•      Support preparation of annual budgets, financial forecasts, and cash flow projections.

•      Prepare financial models and scenario analyses for business planning and decision-making.

•      Analyze variances between actuals, budget, forecast, and prior periods.

•      Support financial plans for new projects, bank financing, and strategic planning.

2.7 Management Reporting & Analysis

•      Prepare periodic reports covering cash flow, debt, bank facilities, LC exposure, receivables, payables, and key indicators.

•      Prepare dashboards and presentation materials for senior management.

•      Identify key financial trends, risks, variances, and improvement areas.

2.8 Collateral & Facility Documentation

•      Maintain records of collateral pledged to banks: real estate, assets, inventory, receivables, and guarantees.

•      Track collateral value, insurance status, legal documents, and mortgage registration.

•      Coordinate with Legal, Accounting, and Project teams for pledged-asset documentation.

2.9 Compliance, Audit & Inspection Support

•      Prepare financial data and supporting documents for auditors, tax authorities, and bank reviews.

•      Monitor post-transaction compliance: reporting requirements, loan covenants, and LC conditions.

•      Coordinate timely responses to audit, inspection, and bank information requests.

2.10 Cross-functional Coordination

•      Work with Accounting, Treasury, Import-Export, Trading, Sales, Operations, Legal, Project, and Management.

•      Maintain internal trackers: cash flow, bank facilities, LC, debt, receivables, payables, collateral, and financing costs.

•      Support improvement of reporting templates, workflows, and data control procedures.

3. Key Deliverables

Daily/weekly/monthly cash flow reports; rolling forecast; bank facility tracker; loan/debt maturity schedule; LC tracker; interest and fee reports; receivable/payable aging; collateral tracker; management dashboards; bank submission packages; audit support files; budget and variance reports.

4. Qualifications

Education: Bachelor's degree in Finance, Banking, Accounting, Economics, Business Administration, or related field. Professional certifications (CFA, ACCA, CPA, treasury, trade finance) are an advantage.

Experience: 1-3 years in corporate finance, banking, treasury, trade finance, FP&A, accounting, or auditing. Experience in petroleum trading, import-export, logistics, or high-working-capital businesses preferred.

5. Skills & Competencies

Technical: Advanced Excel (financial models, cash flow, debt trackers, pivot tables). Ability to read financial statements, bank documents, credit agreements, and LC documents. Proficiency in Word and PowerPoint. ERP/accounting software (e.g., Odoo) is an advantage.

Analytical: Strong numerical and analytical thinking; ability to identify risks, data inconsistencies, and liquidity issues; convert raw data into clear management insights.

Communication: Effective communication with banks, internal teams, auditors, and management. Clear, professional written reports and explanations.

Personal Attributes: High integrity, attention to detail, proactive, disciplined under pressure, strong ownership mindset, organized, and committed to continuous improvement.

6. Key Performance Indicators

•      Cash Flow Reporting: Accurate, timely reports with early liquidity warnings.

•      Bank Facility Monitoring: Fully updated limits, loans, LC exposure, and collateral records.

•      LC & Trade Finance: All deadlines and payment obligations monitored without omission.

•      Debt Management: Loan schedules, interest costs, and refinancing needs accurately tracked.

•      Receivables & Payables: Aging reports updated and escalated as needed.

•      Management Reporting: Clear, analytical reports delivered on time.

•      Bank Documentation: Complete, well-organized credit renewal packages and files.

•      Audit & Compliance: Accurate, traceable documents submitted on time.

•      Cross-functional Coordination: Efficient information collection across departments.

•      Data Accuracy: Financial schedules reconciled with minimal errors.

7. Working Relationships

Internal: Finance, Accounting, Import-Export, Trading, Sales, Operations, Legal, Project, Board of Management.

External: Banks, auditors, tax authorities, government inspectors, valuation companies, insurance companies, suppliers.

8. Career Development Path

Finance Analyst → Senior Finance Analyst → Treasury / Trade Finance Specialist → FP&A Specialist → Finance Supervisor → Assistant Finance Manager → Finance Manager.

9. Role Summary

The Finance Analyst combines financial discipline, banking coordination, data accuracy, and proactive follow-up. Beyond reporting, the role requires active monitoring of financial risks, liquidity needs, and financing deadlines. The ideal candidate is careful with numbers, structured in reporting, professional with banks, and committed to supporting the company's financial stability and capital readiness.