Credit Analyst

Credit Analyst

The Gunvor Credit Department is a team of specialists responsible for managing Gunvor's credit exposure with its trading counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, Gunvor Credit ensures that credit exposure to our counterparties are managed within Gunvor's risk appetite. Given this structure, Gunvor Credit professionals gain diverse financial experience and a broad perspective on how the entire Company functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment.

Main Responsibilities

Primary Responsibilities :

• Evaluate and analyse counterparty's creditworthiness and prepare / present in-depth credit limit recommendation and analysis
• Manage a portfolio of transactions of various energy commodities and products to ensure Gunvor has perfected its security interests and in compliance with borrowing base reporting requirements.
• Monitor, manage, and provide reports to management on working capital, exposure and counterparty business performance
• Monitor on a daily basis the operational risks and processes of Company's counterparties
• Perform periodic audits of counterparties through site visits
• Liaison with key internal and external stakeholders to ensure smooth operations
• Evaluate other risk mitigating tools such as credit insurance, lockbox, silent cover, etc.
• Coordinate with Commercial, Legal, Operations, and Compliance to fully analyse transactions and ensure appropriate documentation, risk mitigants, and limits
• Perform economic / financial research in order to assess portfolio concentrations and trends
• Evaluate company's financial performance compared to overall industry and market trends
• Assist new transactions proposed by business units and articulate the credit risk view with respect to its creditworthiness and conformity to Company policies and procedures

Secondary Responsibilities :

Profile / Key Skills

The ideal candidate should have an accounting, finance or banking background preferably within structured transactions and energy commodities.