Mergers & Acquisitions Credit Risk Specialist at Philips in Panama

Mergers & Acquisitions Credit Risk Specialist Location: Ciudad de Panama Job Title Mergers & Acquisitions Credit Risk Specialist Job Description Mergers & Acquisitions Credit Risk Specialist: The M&A Credit Risk Specialist plays a critical role in supporting strategic transactions such as mergers, acquisitions, divestitures, and joint ventures. This role is responsible for assessing and managing credit risk exposures associated with M&A activity, ensuring financial due diligence, and supporting post-merger integration from a credit risk perspective. The position requires strong analytical skills, cross-functional collaboration, and a deep understanding of credit instruments and financial risk management. Your role: • Conduct thorough credit risk assessments during the due diligence phase of M&A transactions, including analysis of financial statements, debt structures, and creditworthiness of target entities. • Collaborate with Quality, Regulatory Affairs, and Finance teams to ensure smooth post-merger integration, including alignment of credit policies, systems, and reporting standards. • Evaluate the impact of M&A activity on existing credit portfolios, including changes to payer accounts, master data, credit lines, and receivables. • Support the development and implementation of credit risk policies and controls related to M&A, ensuring compliance with internal standards and external regulations. • Serve as a liaison between the credit risk team and other departments (e.g., Collections, Legal, Treasury) to ensure alignment on risk mitigation strategies and transaction execution. • Prepare and present risk assessments, integration plans, and post-deal performance reports to senior leadership and credit committees.. You're the right fit if: • Bachelor’s degree in Finance, Accounting, or related field; MBA or CFA preferred. • 4+ years of experience in credit risk management, financial analysis, preferably with exposure to M&A or corporate finance. Knowledge of customers operating in Health-tech industry and markets (preferred) • Strong understanding of credit instruments (e.g.,letters of credit, guarantees). • Familiarity with regulatory frameworks and audit controls (e.g., ICS/SOX). • Proficiency in SAP FSCM, financial modeling, and risk scoring methodologies. • Excellent communication and stakeholder management skills. • Advanced English language skills. How we work together We believe that we are better together than apart. For our office-based teams, this means working in-person at least 3 days per week. This is an office-based role located in Costa del Este. About Philips We are a health technology company. We built our entire company around the belief that every human matters, and we won't stop until everybody everywhere has access to the quality healthcare that we all deserve. Do the work of your life to help the lives of others. • Learn more about our business. • Discover our rich and exciting history. • Learn more about our purpose. If you’re interested in this role and have many, but not all, of the experiences needed, we encourage you to apply. You may still be the right candidate for this or other opportunities at Philips. Learn more about our culture of impact with care here.