Advisor, Credit - Commercial

Phillips 66 & YOU - Together we can fuel the future

As an Advisor I, Credit - Commercial you'll play a key role in supporting sound credit decisions and helping the business operate with confidence. You'll be part of a team that values clarity, collaboration, and good judgment, contributing to a reliable credit process that keeps commercial activity moving smoothly. This role is a great fit for someone who enjoys solving problems, working with partners across the organization, and making a meaningful impact in a dynamic environment.

What You'll Do

• Monitor credit exposure using internal systems and apply established credit policies to support informed credit decisions.
• Investigate aged debt, work with customers and account managers to resolve underlying issues and recommend actions that maximize collections.
• Review and assess new counterparties or new activity for existing relationships, identifying key credit risk drivers and communicating findings clearly.
• Prepare accurate reports and insights that support credit reviews, operational needs, and day‑to‑day decision‑making.
• Work independently to resolve complex process questions and escalate policy exceptions when required.
• Partner with commercial, legal, accounting, and credit evaluation teams to support credit limit recommendations and resolve collection challenges.
• Negotiate and support credit enhancements such as guarantees or letters of credit in alignment with established guidelines.
• Maintain accurate exposure data, ensure documentation quality, and contribute to ongoing improvements in credit processes.
• Address issues such as delinquencies, disputes, or potential bankruptcies with sound judgment and timely follow‑through.
• Build your expertise through hands‑on analysis, technology adoption, and collaboration in a fast‑paced environment.

What You'll Bring - Required

• 1 or more years of experience providing credit support in the energy industry, specifically in the power and natural gas sector
• High School Diploma or GED equivalent
• Legally authorized to work in the job posting country

What Makes You Stand Out - Preferred

• Bachelor's degree or higher in Finance, Accounting, or a related field
• Experience providing credit support in the energy industry, especially natural gas or power
• Familiarity with financial statements and financial analysis
• Proficiency with SAP or similar enterprise systems
• Ability to analyze data, apply established financial policies, and follow defined credit processes with accuracy
• Strong verbal communication skills to resolve inquiries and support internal and external partners
• Comfort working in a fast‑paced environment and collaborating with cross‑functional teams

Compensation Range


This position has a base salary range of $93,600 - $114,400.

At Phillips 66, we are committed to pay transparency and competitive, equitable compensation. Each role is assigned a salary grade with a defined pay range, benchmarked against industry peers. Where a candidate offer falls within the posted range depends on the candidate's experience, skills, and alignment with the role's requirements. Offers are made to ensure internal equity and market competitiveness. Our compensation programs are designed to reward performance and support career growth.

Total Rewards

At Phillips 66, providing access to high quality programs and care for you and your family is important to us. Maintaining a culture of well-being - physical, emotional, social, and financial - is essential for a high-performing organization. When we are at our best, we are poised to deliver exceptional results - personally and professionally. Benefits for certain eligible, full-time employees include:

• Annual Variable Cash Incentive Program (VCIP) bonus
• 8% 401k company match
• Cash Balance Account pension
• Medical, Dental, and Vision benefits with an annual company contribution to a Health Savings Account for employees on HDHP
• Total well-being programs and incentives, including Employee Assistance Plan, well-being reimbursement, and backup family care services

Learn more about Phillips 66 Total Rewards .

Phillips 66 has more than 140 years of experience in providing the energy that enables people to dream bigger and go farther, faster. We are committed to improving lives, and that is our promise to our employees and our communities. We are sustained by the backgrounds and experiences of our diverse teams, which reflect who we are, the environment we create and how we work together. We have been recognized by the Human Rights Campaign, U.S. Department of Labor and the Military Times for our continued commitment to inclusive practices and policies in the hiring and retention of those in the LGBTQ+ community and military veterans. Our company is built on values of safety, honor and commitment. We call our cultural mindset Our Energy in Action, which we define through four simple, intuitive behaviors: We work for the greater good, create an environment of trust, seek different perspectives and achieve excellence.


Learn more about Phillips 66 and how we are working to meet the world's energy needs today and tomorrow, by visiting phillips66.com.

To be considered

In order to be considered for this position you must complete the entire application process, which includes answering all prescreening questions and providing your eSignature on or before the requisition closing date of 02/12/2026 .

Candidates for regular U.S. positions must be a U.S. citizen or national, or an alien admitted as permanent resident, refugee, asylee or temporary resident under 8 U.S.C. 1160(a) or 1255(a)(1). Individuals with temporary visas such as E, F-1, H-1, H-2, L, B, J, or TN or who need sponsorship for work authorization now or in the future, are not eligible for hire.

Phillips 66 is an Equal Opportunity Employer

Nearest Major Market: Houston