Senior Credit Risk Analyst

5 days ago

Manchester England United Kingdom SEFE Securing Energy for Europe GmbH Full time

The Senior Credit Risk Analyst will be responsible for credit underwriting, credit risk management and ensuring legal and regulatory compliance.

IN SHORT

The senior credit risk analyst will undertake a key role as a senior member of the team responsible for credit underwriting, credit risk management and reporting ensuring legal and regulatory compliance. You will contribute to the evolving strategic framework of the credit risk function by active participation in transformation and continuous improvement projects.

As a senior member of the team you will play a pivotal role in maintaining a strong relationship with internal and external stakeholders, act as a mentor to the junior analysts in the team, fostering a culture of ideas and innovation.

WHAT YOU WILL DO
  • Analyse and assess counterparties' credit worthiness, primarily through analysis of their financial statements and prepare written Credit Approval Request on regular basis and continuous monitoring of counterparty status.
  • Work with and support commercial teams to understand and estimate resulting risk from business relationship.
  • Recommend appropriate credit rating, mitigation measures (like cash deposit, group or bank guarantees, or insurance), required credit limit and approve the limits in accordance to the received mandates.
  • Create and prepare periodic and ad-hoc Credit Risk reports and monitor limit utilisation and working proactively to mitigate potential limit breaches and ensure transparent reporting to key stakeholders.
  • Interaction and alignment with other support functions (mainly Risk internal, Treasury, Legal, Product Control) to assess and mitigate credit risk.
  • Regular review of internal credit risk policy - proactively identifying opportunities for mitigating credit risk whilst allowing for managed growth.
  • Managing complex transformation and improvement projects related to credit risk and requiring coordination with external suppliers and internal departments. Requirement to be able to autonomously drive projects and present workable results within defined timelines.
  • To be aware of and comply with all company policies and procedures, including but not limited to SEFE Data protection policy, Equal opportunities policy, and the Email and Internet Acceptable Usage policy, in addition to Fire and Health and Safety Regulations.
  • The role holder may also be required to carry out any other duties within the scope and purpose of this role as requested by their line manager and in line with business needs.
WHAT YOU WILL BRING

Proven experience in credit or finance role either within an energy company, bank or rating agency. Experience and familiarity with the energy/commodity trading markets (particularly natural gas, power, oil, or LNG) is an advantage.

  • Good understanding of the key elements of Credit Risk Management practices and framework
  • Strong analytical skills with the ability to assess complex problems, produce accurate written credit analysis documents, and deliver solutions.
  • Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
  • Attention to detail and high level of accuracy in analyzing and interpreting financial data.
  • Proficient in MS Office suite, particularly Excel, for financial analysis, modelling and reporting purposes.
  • Ability to work as part of a team as well as autonomously when required.
  • Reliable usage of provided mandates to make credit decisions.
ABOUT US

Securing Energy for Europe – it's a simple statement, with a bold ambition. SEFE is not just our name, but also encompasses everything that drives us. To accomplish this, we're taking immediate action to secure gas supply – but also looking forward, to explore our role in the European energy transformation and how we can contribute to a stable and sustainable future.

SEFE, an international energy company, ensures the security of supply and drives the decarbonisation of its customers. SEFE's activities span the energy value chain, from origination and trading to sales, transport, and storage. Through its decades-long expertise in trading and the development of its LNG business, SEFE has become one of the most important suppliers to industrial customers in Europe, with an annual sales volume of 200 TWh of gas and power. Its 50,000 customers range from small businesses to municipalities and multinational organisations. By investing in clean energies and especially in the hydrogen ecosystem, SEFE is contributing to the energy transition. The company employs around 2,000 people globally and is owned by the Federal Government of Germany.

Our international teams work across locations in Europe, Asia, and North America. We're passionate about energy and the important role it can play in shaping a better future.

Securing energy – now and for the future.

OUR BENEFITS

We're committed to creating an inclusive environment that embraces diversity and fosters the development of knowledge, skills, and experience. Whatever your role, you'll find an open, welcoming atmosphere that empowers you, and recognises your contribution.

In return we offer a competitive starting salary supported by a comprehensive range of financial, lifestyle and wellness benefits with the flexibility to follow a hybrid working model.

  • bonus earning potential
  • non-contributory pension with 10% employer contribution
  • 25 days holiday plus bank holidays and volunteering days
  • buy / sell holidays
  • life assurance
  • medical and dental insurance (family cover)
  • range of optional flexible benefits

We are committed to supporting your career growth with opportunities to develop both your knowledge and experience through a blended approach to learning.

Join SEFE and help us secure energy supply across Europe and shape a better, more sustainable tomorrow.

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