Credit Officer II - Energy
On-siteHouston, Texas, United States
Job Summary
Assess clients' credit needs and create solutions by leading loan structure conversations and negotiating documentation with internal and external partners. Drive credit and risk approval processes for new originations, renewals, increases, and modifications while monitoring portfolios for regulatory and policy compliance. Establish internal risk ratings, manage criticized assets, and mentor associates to support commercial and large corporate client relationships within the Energy industry. Serve as an escalation point for complex transactions and facilitate timely credit decisions through strong collaboration with relationship management, sales, trading, and risk teams.
Required Qualifications
- 10+ years of progressively responsible experience in the job offered, or a related Finance occupation
- Strong understanding of energy market dynamics and Energy industry-specific risk factors
- financial statement analysis
- cash flow analysis
- commercial credit
- credit structures
- cash management
- traded products
- Excellent analytical, decision-making, and problem-solving skills
- Strong written, verbal, and presentation skills
- Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint
- Oral Communications
- Risk Management
- Written Communications
- Underwriting
- Shift: 1st shift (United States of America)
- Hours Per Week: 40
Desired Qualifications
- Strong preference for individuals with relevant experience within the Energy industry
- Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience
- Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements
- Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness
- Knowledge of energy transition trends
- evolving regulatory requirements
- Business Acumen
- Coaching
- Decision Making
- Hiring and Onboarding
- Loan Structuring
- Collaboration
- Credit Documentation
- Change Management
- Client Solutions Advisory
- Executive Presence
- Organizational Effectiveness
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