SR Credit Analyst

SR Credit Analyst

Location: Houston, TX, US, 77019

Req ID: 480016

Benefits: Fuel Your Growth with Love's - company funded tuition assistance, Paid Time Off, 401(k) – 100% Match up to 5%, Medical/Dental/Vision Insurance after 30 days, Competitive Pay Career Development

Basic Purpose

The Sr. Credit Analyst is primarily responsible for partnering with the Musket Credit Manager, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Sr. Credit Analyst will be able to draft documents and prepare for credit reviews with limited support from the Credit Manager. The Sr. Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

Major Responsibilities

• Conducts credit reviews of prospective customer's financial statements, credit reports and other data to determine risk in extending credit with counterparty.
• Approves applicants/terms or makes recommendations within delegated authorities.
• Works credit limit increase and term change requests from internal and external sources.
• Monitors daily counterparty exposure to ensure trading activity is within established limits and relevant credit policy.
• Negotiates and administers credit provisions of contracts and various other security related documents (e.g., guarantees, letters of credit).
• Works with various departments (Marketing/Sales, Collections, Billing, Cash Application, Treasury, Accounting, etc.) in Customer System Set-up, resolving customer issues, managing customer risk/exposures and ensuring compliance with credit policy.
• Helps company maximize profits through effective risk analysis and exposure management which facilitates sales yet minimizes bad debt losses and optimizes A/R turnover.
• Assists the Credit Manager with monthly reports and other projects as assigned.
• Spread and analyze complex financials for energy companies. Monitor exposure and understand mitigation strategies.

Education and Experience

Education: Bachelor's Degree or equivalent experience preferred. Experience: Prior experience in SAP/SRA/Bloomberg preferred. Experience with onboarding and KYC methods for international firms.

Skills and Physical Demands

Skills: Financial Risk Analysis, Microsoft Office (Excel & Word). Strong verbal/written communications and people skills. Ability to remain professional during conflict and difficult situations. Good time management and organization skills, team player, can-do attitude, ability to drive results.

Typical Physical Demands: Requires prolonged sitting, some bending and stooping. Occasional lifting up to 25 pounds. Manual dexterity sufficient to operate a computer keyboard and calculator. Requires normal range of hearing and vision.

Our Culture: Fueling customers' journeys since 1964, innovation leads the way for this family-owned and operated business headquartered in Oklahoma City. With nearly 40,000 team members, travel stops are the core business along with products and services that provide value for professional drivers, fleets, traveling public, RVers, alternative energy and wholesale fuel customers. Giving back to communities and an inclusive workplace are hallmarks of the award-winning culture. Love's is an Equal Opportunity Employer. Veterans encouraged to apply.