Senior Analyst, Credit & Risk

Overview

This role supports credit underwriting, risk management, and working-capital protection across North American Land wholesale portfolios. Responsibilities include evaluating the creditworthiness of new and existing counterparties, analyzing financial risk exposure, and enabling informed commercial decision-making.

In addition to core underwriting duties, the 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 with Commercial, Legal, and Finance stakeholders and reporting to the Director of NA Land Credit & Risk.

Responsibilities

• 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 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 daily activities of an outsourced credit team to ensure consistency and accuracy
• Perform ad hoc analysis and special projects as needed

Requirements

• 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
• 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 ability to make data-driven credit decisions
• Continuous-improvement mindset with willingness to challenge the status quo

Preferred Qualifications

• Experience with PDI and/or Oracle ERP systems preferred
• Experience in credit, risk, or accounting in commodities, energy, or trading environments

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

Compensation & Benefits

• 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.

Location

Remote