Senior Analyst, Credit Risk

Primary Purpose Of Position

The Senior Analyst, Credit Risk is responsible for a credit portfolio within the designated regions. This job is also responsible for assessing and analyzing retail power and gas credit issues for the retail supply business. As a member of the credit organization, this position will require an advanced understanding of the physical and financial products offered by the Company and the marketplace in order to properly assess and monitor counterparty credit/risk issues. The incumbent is closely aligned with the business and functional leaders throughout the organization and is expected to foster and maintain strong working partnerships with their respective peers. This position requires interaction with Sales organization, Operations, Corporate Accounting, Corporate Treasury and Corporate Risk.

Primary Duties And Accountabilities

• Assess and analyze the credit worthiness of customers and trading counterparties, and monitor current and potential exposures.
• Recommend credit terms and conditions within customer and wholesale commodity contracts.
• Cook up with the margining and treasury teams on counterpart collateral including cash, letters of credit and parental guarantees. Also coordinates effectively with Receivables team to monitor aged receivables to ensure timely collection.
• Aid on presentations to Senior Management that include credit decisions and recommendations, while highlighting top credit risks within the organization.
• As directed by Credit leadership, lead the coordination, maintenance, and implementation of improved reporting and functionality of Credit Risk systems.
• Manage credit relationships with counterparties

Minimum Qualifications

• Bachelor's degree in Business and 5 years of experience, or 9 years of equivalent experience in lieu of the degree
• 5-years of relevant position experience
• Strong computer and spreadsheet modeling skills
• Thorough understanding of credit analysist, credit and risk management fundamentals
• Advanced understanding of Mark to Market calculations and valuations of forward contract positions
• Experience with financial concepts, financial markets and wholesale energy markets, energy commodities markets, hedging and/or position management

Preferred Qualifications

• Master's Degree in Business
• Completion of formal credit training program
• Ability to prioritize work, manage time effectively and manage workload efficiently
• Strong interpersonal skills with the ability to build strong relationships with team members and business stakeholders
• Ability to clearly communicate both orally and in writing and work effectively across business units, functional groups, multiple levels of the Corporation and external stakeholders