Life Unlimited. At Smith+Nebhew we design and manufacture technology that takes the limits off living.

Role Overview

The Credit Expert – LATAM & Canada is a key regional expert responsible for supporting the execution, control, and continuous improvement of Credit Management activities across multiple countries.

Reporting to the Regional Credit Manager, this role plays a critical part in credit risk assessment, operational execution, and compliance, ensuring alignment with Smith+Nebhew’s general control framework while supporting business growth and cash flow performance.

This position combines hands‑on operational responsibilities with analytical expertise, acting as a trusted partner to Finance, Commercial, GBS, and Customer Service teams across the region.

Credit Risk Analysis & Decision Support
- Perform detailed credit assessments for new and existing customers, including financial statement analysis, financial ratios, credit reports, and risk evaluation.
- Recommend credit limits, risk classifications, and payment terms aligned with business strategy and risk appetite.




- Support periodic portfolio reviews, proactively identifying emerging risks and exposure trends.
- Monitor customer creditworthiness and overall credit risk across LATAM and Canada.

Credit Operations & Execution
- Execute credit limit setup, reviews, and adjustments in compliance with the Delegation of Authority Matrix (DAM).
- Perform order release activities within assigned authority, ensuring balance between risk control and business continuity.
- Implement and maintain payment term changes in ERP systems in line with approved authority levels.
- Monitor credit limit utilization and headroom, taking proactive actions to prevent blocked orders.

Cash Flow & Collections Support
- Support regional initiatives to reduce DSO, manage overdue balances, and improve cash flow performance.
- Analyze Accounts Receivable (AR) aging and highlight key risks and action areas.
- Assist in resolving com

📌 OTC Expert Credit Management (Bogotá)
🏢 Smith+Nephew
📍 Bogotá