Credit Risk Analyst

CFP Energy Ltd.; London; On-site; GBP 40,000 - 65,000; Full time

Job summary

A leading company in the energy sector is seeking a Credit Risk Analyst to join their dynamic team. The role involves performing comprehensive credit assessments, managing client accounts, and mitigating credit risks effectively. Ideal candidates will possess strong analytical skills, a background in finance, and experience in the energy industry. The position offers opportunities for professional growth and participation in several projects driving the company's vision for a low-carbon economy.

Qualifications

• 3-5 years of experience in a Credit Risk Analyst or similar role.
• Experience in the Energy Industry preferred.
• Understanding of credit risk management practices.

Responsibilities

• Conduct credit assessments, submit insurance requests, and review credit limits.
• Negotiate legal agreements and manage credit exposures.
• Monitor macro-economic trends affecting credit risk.

Skills

Analytical skills

Financial modelling

Negotiation skills

Project management

Education

Degree in Finance or related field

Tools

Excel

Power BI

Power Automate

Microsoft Office Suite

Job description

About us:

Our mission is to facilitate the transition to a low-carbon economy by providing innovative financial solutions to our clients.

We are not just any energy and sustainability group; we're a dynamic, award-winning powerhouse! At the forefront of environmental innovation, we lead the charge in providing cutting-edge solutions for large-scale energy consumers. From guiding small business to corporate giants on their journey to achieve net zero emissions to expertly managing risks and supplying vital power and gas resources, we do it all. But wait, there's more! We're not content with just excelling in our current ventures - we thrive on pioneering new businesses and seizing energy investment opportunities.

Role:

As part of the CFP Energy Credit Risk team, you will be involved in liaising with both internal stakeholders as well as external clients and prospect clients, third party intermediaries, credit rating agencies, credit insurance providers and credit insurance brokers regarding energy supply, contractual arrangements, credit management, as well as complementary services.

There will be a focus on critically assessing data and contracts, commercial risk management, providing knowledge and expertise to internal departments, ensuring key client accounts are closely managed and facilitating sustainable business growth.

Key responsibilities:

• Completing accurate credit assessments based on both quantitative and qualitative data, submitting credit insurance requests, and undertaking periodic credit limit reviews.
• An indepth understanding of credit rating models and financial ratios, ability to interpret ratings inline with peers and industry.
• Proactively identifying solutions to ensure appropriate credit risk mitigation, such as requesting alternative forms of collateral (i.e., third-party guarantees, bank guarantees, letters of credit, security deposits, escrow accounts).
• Ability to negotiate Legal agreements including ISDA, EFET and forms of collateral agreements including CSAs and PCGs.
• Market knowledge of financial and physical traded products in line with credit exposures and specifically mark to market.
• Own the structuring, negotiation and execution of a transaction providing suitable risk mitigation and credit terms (including collaterals, payment terms, evaluation of exposure, etc.).
• Balance risk, reward, liquidity to support business growth and portfolio profitability.
• Financial modelling skills in Excel, Power Bi, Power Automate and other Microsoft office suite tools.
• Confidence, presentation and collaboration skills to influence Stakeholders and present credit cases.
• Versatility and lead departmental projects autonomously, ensuring compliance with risk management frameworks.
• Continuously monitoring the credit risk environment and macro-economic trends.

Ideal candidate:

• At least 3-5 years' proven experience in a Credit Risk Analyst or similar role.
• Highly desirable if you have prior experience in the Energy Industry and knowledge of the Gas, Power or Carbon Markets.
• Good understanding of credit risk management practices and frameworks.
• Strong technical background with excellent analytical and numerical skills and high attention to the detail.
• Ability to read and understand financial data and perform financial analysis.

The CF Group is committed to ensuring equal opportunities, fairness of treatment, dignity and respect, and the elimination of all forms of discrimination in the workplace for all employees/contractors and job applicants.