Sr Credit Analyst

Love's Travel Stops & Country Stores Inc.; Houston (TX); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Tuition assistance

Paid Time Off

401(k) – 100% Match up to 5%

Medical/Dental/Vision Insurance after

30 days

Career development

Job summary

Love's Travel Stops & Country Stores Inc. in Houston, TX is seeking a Sr. Credit Analyst to partner with the Musket Credit Manager, underwriting and monitoring credit, and performing analytical activities to identify risks.

The role involves drafting documents, preparing for credit reviews, and supporting cross-functional teams to optimize A/R and profitability while maintaining policy compliance.

Qualifications

• Bachelor’s degree or equivalent experience preferred.
• Experience with SAP/SRA/Bloomberg preferred.
• Experience onboarding and KYC methods for international firms.

Responsibilities

• Conducts credit reviews of prospective customers' financials, credit reports, and data to determine risk and approves terms within authorities.
• Processes credit limit increases and term change requests from internal and external sources.
• Monitors daily counterparty exposure to ensure activity aligns with policy and limits.
• Negotiates and administers credit provisions of contracts and security documents (e.g., guarantees, letters of credit).
• Collaborates with Marketing/Sales, Collections, Billing, Cash Application, Treasury, and Accounting to set up customers and resolve risk issues.

Skills

Financial risk analysis

MS Excel

MS Word

Verbal communication

Professional demeanor

Time management

Team player

Results oriented

Education

Bachelor's degree

Tools

SAP

SRA

Bloomberg

Job description

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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 on first of the month after first30 days * Competitive PayCareer 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.

#LI-Musket

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.