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Credit Risk Analyst

Job LocationManchester
EducationNot Mentioned
SalaryCompetitive salary
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypePermanent, full-time

Job Description

ABOUT USFrom origins as a small, independent gas supplier in the North West of England, we have grown to become a major business energy supplier. After just ten years, Gazprom Energy has become the second largest business gas supplier in the UK and we currently supply 34,000 business customers at over 80,000 sites across Europe.Manchester is home to our European headquarters, a base from which we have expanded into France and the Netherlands. Our teams across Europe are united by the shared ethos of being helpful and making life easier for our customers. In 2015 we won the coveted Energy Supplier of the Year award at the Energy Awards 15, as well as achieving Gold standard in people management by Investors in People for the second time running.Our culture is defined by our people. Through living our values every day we continue to create a culture that enables us all to succeed. We work as one team with our customers, our parent company and each other in order to understand each other’s needs. With an unstoppable passion for excellence, growth and learning, we’re committed to creating an environment that fosters the development of knowledge, skills and experience, so that our people can thrive and prosper in their careers with us. We believe that we have the best team in the industry which makes us a trusted partner across international capital and energy markets. Our diverse employee base, with a wealth of expertise, knowledge and experience makes GM&T a truly exciting place to work. We encourage new ideas and initiatives as innovative thinking is central to how we do business. Most importantly, we are a growing and developing business where inspired individuals can make a difference and help shape our future.ROLE OBJECTIVESThis position is responsible for supporting the operations and development of Credit Risk management activities at Gazprom Energy.The main roles are:

  • The preparation and presentation of credit risk analysis. Including production of counterparty Credit Application Requests and Portfolio analysis.
  • The continued review of risk processes, policies and the credit quality of the portfolio. Proactively identifying opportunities to optimise risk, whilst ensuring overall business and market objectives are met.
  • DUTIES & RESPONSIBILITIES
  • To process new business applications and periodic credit limit reviews for Gazprom Energy. In addition the job holder will be responsible for KPI and operational performance reporting.
  • Production of detailed counterparty Credit Application Requests, incorporating a detailed financial analysis and a full appraisal of all credit risk factors.
  • To ensure all credit applications processed and the associated reporting is conducted with full compliance to both Group and Gazprom Energy and credit policies and procedures.
  • To constantly monitor the credit risk environment and macro-economic trends.
  • Constantly review credit process, systems and data. In particular Credit / Commercial interfaces, ensuring optimal processes are in place.
  • Managing complex projects related to credit risk and requiring coordination with external suppliers and internal departments. Requirement to be able to autonomously drive projects and present workable results within deadlines.
  • Regular review of Gazprom Energy Credit policy - proactively identifying opportunities for mitigating credit risk (e.g. credit insurance, security) whilst allowing for managed growth.
  • Participate in meetings with Commercial teams and the customers directly, in order to resolve issues and identify solutions that enable credit facilities to be approved.
  • Monitor the credit limit review schedule for all counterparties to ensure the timely renewal of facilities.
  • Support the Credit Risk Management function by ensuring that parent company guarantees and letters of credit in master agreements are monitored, reviewed and updated where necessary (according to changes with market and exposure).
  • Production and analysis of portfolio credit reporting including potential future exposure, expected loss and Mark to Market metrics to ensure key risks are identified and effectively presented to senior management.
  • To be aware of and comply with all company policies and procedures, including but not limited to the Gazprom Energy Data Protection policy, Equal Opportunities policy, and the Email and Internet Acceptable Usage Policy, in addition to Fire and Health and Safety Regulations.
  • SKILLS & COMPETENCIES
  • Strong analytical and organizational skills
  • Ability to work under pressure and adaptability to a changing environment
  • Diligent and dependable
  • Strong attention to detail
  • Ability to provide support and training for business stakeholders
  • Ability to produce accurate reports within tight deadlines
  • EXPERIENCE
  • Strong understanding of credit risk management practices and framework
  • Experience of working in a fast-paced environment
  • Chartered Financial Analyst (CFA), Financial Risk Manager (FRM), or comparable professional qualifications would be preferable.
  • EDUCATION
  • Educated to degree level in a numerical or comparable subject is preferable.
  • Required skills
  • Analytical Skills
  • Credit Risk
  • Risk Management
  • Underwriting
  • Portfolio Risk
  • Keyskills :
    Analytical Skills Credit Risk Risk Management Underwriting Ptfolio Risk

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