Senior Credit Analyst

Job Title: Senior Credit Analyst
Location: Houston, TX 77056 (Onsite)
Duration: 6 Month Contract
Industry: Oil & Energy
Experience Level: Mid-Senior (10+ Years)

Position Summary

The Senior Credit Analyst is responsible for counterparty credit analysis, exposure monitoring, credit limit recommendations, and credit risk mitigation within a wholesale commodity trading and marketing environment. This role supports short-, mid-, and long-term commercial strategies by ensuring effective credit risk management and regulatory compliance.

Key Responsibilities

• Perform credit analysis of new and existing counterparties, including financial statement review and ratio analysis.
• Recommend and approve credit limits within Delegation of Authority (DOA).
• Monitor counterparty exposure using real-time credit risk management systems.
• Manage credit support instruments (Letters of Credit, guarantees, collateral).
• Review, analyze, and approve counterparty contracts and amendments.
• Conduct financial modeling to determine appropriate credit structures.
• Manage credit settings on electronic trading platforms (e.g., ICE).
• Prepare and distribute credit exposure and portfolio risk reports.
• Partner with Commercial, Legal, Accounting, Risk, and Structuring teams to support business objectives.
• Ensure compliance with internal credit policies and risk frameworks.

Required Qualifications

• Bachelor’s degree in Accounting, Finance, Economics, or Business.
• Minimum 7+ years of Finance, Accounting, or Credit Analysis experience.
• 10+ years of Oil & Gas industry experience preferred.
• Experience in commodity trading, wholesale marketing, or energy trading environments.
• Strong knowledge of credit risk assessment, exposure management, and collateral processing.
• Proficiency in Microsoft Office (Excel, Word, PowerPoint).
• Experience with electronic trading platforms (ICE preferred).
• Excellent analytical, communication, and organizational skills.
• Ability to manage multiple priorities and meet strict deadlines.
• Willingness to work extended hours as business needs require.

Core Competencies

Credit Risk Management | Counterparty Exposure | Financial Modeling | Commodity Trading | Oil & Gas Finance | Contract Review | Credit Portfolio Management | Risk Mitigation | Collateral Management | Regulatory Compliance | Financial Reporting | Cross-Functional Collaboration