Credit Analyst

Responsibilities

• Build and maintain collaborative relationships with commercial desks, functional support teams, and customers by developing creative solutions that support business strategies.
• Perform detailed financial statement analysis to develop counterparty risk profiles and establish credit limits within designated authority levels.
• Prepare in-depth credit analyses and business rationales to support approval requests above delegated authority levels.
• Meet and communicate directly with customers' senior financial leaders to gain insight into customer financial health and risk exposure.
• Negotiate security arrangements to support credit limits not fully supported by financials and ensure timely renewal or replacement of security before expiration.
• Apply sound judgment and conduct proper due diligence in accordance with Motiva's Credit Policy standards.
• Approve the release of product or liftings above established credit limits, as appropriate.
• Develop analytics and reporting for operational, management, and ad hoc business needs.
• Coincide with external vendors to improve credit evaluation efficiency and accuracy through enhanced rating methodologies.
• Support Credit and related internal system implementations and upgrades by providing technical guidance, validating system specifications, and designing, executing, and reporting on system and service testing.
• Develop business test scenarios to identify expected outcomes, potential gaps, and opportunities for improvement within the credit system.

Qualifications

• 3+ years of relevant experience in a credit risk function or related role, including energy credit experience.
• Bachelor's degree in finance, accounting, or a related field.
• Strong written and verbal communication skills.
• Strong organizational and time management skills, with the ability to prioritize competing work demands.
• Advanced proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.