Credit Analyst (1711)

Aramco Trading Americas

Credit Analyst (1711)

Credit Process Staff - Houston, TX - Full Time

OVERVIEW:

The Credit Analyst will be part of the Credit Process Team, which is a part of Aramco Trading Americas (ATA) middle office. The main role of the division is to manage credit and market risks. Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures. You will be also required to collaborate with other areas such as Operations, Commercial, Legal, Settlements, Contracts, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

PRINCIPAL DUTIES:

- Conduct credit evaluations of counterparties (financial and non-financial institutions).

- Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.

- Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.

- Maintain approved credit limits and ratings in credit database.

- Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.

- Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.

- Review policies, procedures, and align risk policies across the Group.

- Assist in the consolidation and preparation of reports for management.

- Complete assigned ad-hoc tasks as directed.

- Develop and run reports to monitor counterparty exposures.

MINIMUM REQUIREMENTS:

- Bachelor’s degree in finance, economics, accounting, or a related field.

- Experience within credit, banking, or financial risk management.

- Three plus years of business experience.

- Experience with implementation and application of credit risk models a plus.

- Ability to meet tight deadlines to submit credit recommendations to management.

- Strong communication skills.

- Demonstrated ability to be autonomous, inquisitive, analytical, collaborative, and detail/action oriented while managing complexity and ambiguity.

- Demonstrate ability to be resilient and adaptive in an environment of constant change and challenges and work under pressure.

- Ability to multi-task and problem solve.

- Must be available to work in an office environment, located in downtown Houston, TX.

- Legal authorization to work in the U.S. on a full-time basis for anyone other than current employer.

- Experience with or awareness of middle and back-office work processes and policies.

- Proficiency in Microsoft Excel.

- Experience with SAP software a plus.

NO THIRD-PARTY CANDIDATE ACCEPTED