Senior Analyst, Credit & Risk

World Fuel; Miami (FL); On-site; USD 110,000 - 140,000; Full time

Job summary

World Fuel is seeking a Senior Analyst, Credit & Risk to support credit underwriting, risk management, and working-capital protection across NA Land portfolios. You will evaluate creditworthiness, analyze financial risk, and drive informed commercial decisions.

Responsibilities include overseeing an outsourced credit team and aligning processes between PDI and Oracle ERP, reporting to the Director of NA Land Credit & Risk. A strong background in finance and risk is essential.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 3+ years of credit, risk, or accounting experience, preferably in commodities, energy, or trading environments.

Responsibilities

• Review and manage inbound credit requests via Kissflow to ensure timely decisions.
• Analyze customer financial statements to set credit limits and assess default risk.
• Evaluate MTM exposure and forward trading activity with customers and suppliers.
• Determine appropriate credit support and security requirements to mitigate risk.
• Partner with Commercial and Legal teams on credit-related matters for customers.
• Support enforcement of credit policies, underwriting standards, and loss-control procedures.
• Gather and analyze customer information to support credit recommendations.
• Assist in standardizing credit reporting and data analysis across platforms.
• Contribute to initiatives improving transparency and reducing bad-debt reserves.
• Oversee daily activities of outsourced credit team for consistency and accuracy.

Skills

Credit underwriting

Financial analysis

Excel proficiency

Power BI

Cross-functional collaboration

Analytical mindset

Education

Bachelor’s degree in Finance, Accounting, or Business Administration

Tools

Kissflow

PDI

Oracle ERP

Job description

At World Fuel, our employees are the key to our global success. We are industry leaders due to the innumerable talents of our approximately 5000 strong professional team. Our people thrive in an entrepreneurial and culturally-diverse environment, where innovative thinking, collaboration and efficient execution are highly valued. Our high-performance culture is what allows us to drive sustained growth. Stronger together, we promote an environment where individuals can thrive.

Senior Analyst, Credit & Risk

About The Role

World Fuel is seeking a Senior Analyst, Credit & Risk to support credit underwriting, risk management, and working‑capital protection across our North American Land wholesale portfolios. This role plays a key part in evaluating the creditworthiness of new and existing counterparties, analyzing financial risk exposure, and enabling informed commercial decision‑making. In addition to core underwriting responsibilities, this role supports process and system alignment between PDI and Oracle ERP platforms and provides oversight of an outsourced credit team. The position operates with a high degree of independence while partnering closely with Commercial, Legal, and Finance stakeholders and reports to the Director of NA Land Credit & Risk.

What You’ll Do

• Review and manage inbound credit requests through Kissflow queues to ensure timely and accurate decisions
• Analyze customer financial statements and supporting documentation to recommend credit limits and assess default risk
• Evaluate mark‑to‑market (MTM) exposure and forward trading activity with customers and suppliers
• Determine appropriate credit support and security requirements to mitigate risk
• Partner closely with Commercial and Legal teams to address credit‑related matters for new and existing customers
• Support the establishment and ongoing enforcement of credit policies, underwriting standards, and loss‑control procedures
• Gather, review, and analyze customer information to support credit recommendations
• Assist in standardizing credit reporting, customer credit profiles, and data analysis across platforms
• Contribute to initiatives that improve transparency, reduce handoffs, and enhance the timeliness of bad‑debt reserves and write‑offs
• Support system and process alignment between PDI and Oracle ERP environments following system migrations
• Oversee the daily activities of an outsourced credit team to ensure consistency and accuracy
• Perform ad hoc analysis and special projects as needed

What You Bring

• Strong experience analyzing financial statements and underwriting credit risk
• Working knowledge of forward trading concepts and mark‑to‑market exposure
• Advanced Excel skills with strong attention to detail
• Proficiency in Microsoft Office (Excel, Word, Outlook); Power BI is a plus
• Experience with PDI and/or Oracle ERP systems preferred
• Strong analytical, organizational, and time‑management skills
• Ability to collaborate effectively across cross‑functional teams
• Customer‑focused mindset with balanced risk judgment
• Sound business judgment and the ability to make data‑driven credit decisions
• Continuous‑improvement mindset with a willingness to challenge the status quo

Education & Experience

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required
• 3+ years of experience in credit, risk, or accounting, preferably within commodities, energy, or trading environments

#WFS

World Fuel is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law.

World Fuel Services, Inc.