Junior Credit Risk Analyst | Hybrid & Global Energy Team

MET Group; Madrid; Hybrid; EUR 32,000 - 45,000; Full time

Benefits offered by this job

Hybrid work model

Annual bonus

Health insurance

Meal vouchers

Transport benefits

Career development

International team

Job summary

MET Group in Madrid is seeking a Junior Credit Risk Analyst to assess customer creditworthiness, monitor credit exposure and support risk management activities within an international energy group.

You will work across Sales and Finance with MET Group teams globally, contributing to credit approvals, KYC processes and weekly risk reporting while developing expertise in credit risk management for energy sector clients.

Qualifications

• University degree in Finance, Accounting, Economics, Business Administration or a related field.
• 2–3 years of experience in financial analysis, auditing, accounting, credit risk or a related area.
• Good understanding of financial statements, basic accounting principles and key financial ratios.
• Interest in developing a career in credit risk management and corporate financial analysis.
• Good analytical and problem-solving skills, with attention to detail.
• Excellent organizational and planning skills.
• Ability to work independently, take ownership of responsibilities and manage priorities in a fast-paced environment.
• Good communication and interpersonal skills, with the ability to work effectively as part of a team.
• Advanced Microsoft Excel skills.
• Good written and spoken English skills (minimum B2).
• Proactive attitude and willingness to learn and develop professionally.

Responsibilities

• Assess the creditworthiness of new and existing customers across retail, wholesale and trading segments, supporting credit decisions for new contracts, renewals and commercial transactions.
• Analyse financial statements, key financial ratios and external credit information to evaluate customers' financial standing, identify potential risks and provide recommendations on credit limits and exceptions to credit policies.
• Monitor customer credit exposure, overdue balances and key risk indicators, identifying potential risks and supporting appropriate mitigation measures.
• Support the management of customer guarantees and credit insurance coverage, including the review of documentation, monitoring of limits and follow-up on renewals and expiry dates.
• Collaborate with Sales, Finance and other local departments, as well as international MET Group teams, on credit-related matters, including customer assessments, guarantee requirements and the preparation of proposals for internal credit committees and approval processes.
• Support Know Your Customer (KYC) and compliance processes, ensuring accurate and up-to-date customer information and supporting documentation.
• Prepare weekly credit risk reports for MET Group and internal stakeholders, ensuring the accuracy and consistency of risk data and reporting.
• Participate in the development and improvement of credit risk management processes, including reporting automation, digitalisation and other continuous improvement initiatives.

Skills

Analytical skills

Attention to detail

Organizational skills

Communication skills

Independent worker

Problem solving

Education

Bachelor's degree in Finance/Accounting/Economics/Business Administration

Tools

Advanced Excel

ERP systems

SQL

Power BI

Job description

MET Group in Madrid is seeking a Junior Credit Risk Analyst to assess customer creditworthiness, monitor credit exposure and support risk management activities within an international energy group.

You will work across Sales and Finance with MET Group teams globally, contributing to credit approvals, KYC processes and weekly risk reporting while developing expertise in credit risk management for energy sector clients.