Commercial & Investment Bank Credit Risk - Associate (Energy)
On-site · Houston, Texas, United States
Job Summary
Energy Credit Risk Associate in Commercial & Investment Bank Risk – Energy, Power and Renewables leads and supports credit origination and portfolio management across investment grade and leveraged clients. You will partner with coverage and product teams to structure, analyze, negotiate, and approve new credit exposure while maintaining strong risk governance. You will develop forward-looking risk views, perform client due diligence, build and analyze financial models to test downside scenarios, prepare credit approval materials, negotiate deal terms and covenants, maintain accurate credit ratings, identify deteriorating credits, and deliver periodic portfolio reporting. The role includes mentoring and coaching analysts and collaborating with middle office teams to maintain high-quality credit data. Preferred qualifications include covering oil and gas, power, utilities, and renewables; MBA; and prior credit training program experience.
Required Qualifications
- Bachelor’s degree (preferably in finance, accounting, economics, or another quantitative discipline)
- Experience performing credit analysis and recommending risk-appropriate financing structures
- Demonstrated credit, lending, negotiation, loan documentation, and financial modeling skills
- 3+ years of commercial or investment banking lending experience, including credit underwriting, structuring, and origination
- Experience covering oil and gas, power, utilities, and renewable companies
- Master of Business Administration degree (preferred)
- Completion of a commercial or investment bank credit training program (or equivalent experience) and knowledge of bank credit policies and procedures
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