Credit Risk Analyst

4 weeks ago

San Diego, California, United States Calpine Full time
Job Summary

As a Credit Risk Analyst at Calpine, you will play a critical role in protecting the company's mark-to-market exposure and accounts receivable assets through the effective use of credit risk analytics and systems.

Key Responsibilities
  • Credit Risk Analysis
    • Perform detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counter parties that meet established timelines and support ongoing sales negotiations.
    • Utilize outside vendors to thoroughly research and obtain salient industry and counter party data for credit risk evaluation.
    • Perform annual reviews of financial and credit data for assigned account portfolio, calculating and assigning credit risk ratings based upon the output of proprietary scoring models.
    • Initiate modifications of credit limits to existing customers to support increased business opportunities or to protect the company from undue losses.
  • Reporting & Special Projects
    • Generate accurate monthly, quarterly, and annual management reports.
    • Establish and maintain counter party data in Allegro system.
    • Support the Director, Credit Risk as required by performing special projects, ad hoc reporting, routine requests, etc.
  • Collections
    • Authorized to work autonomously in day-to-day decision making to effectively collect payments from customers in accordance with contractual terms.
    • Empowered to negotiate terms of sale and payment plans as necessary.
    • Interface with all levels of sales, senior management, and other internal departments to expedite the resolution of disputes and thus ensure the protection of the company's settlement risk through the effective use of systems and proven collection practices.
    • Integral in the ongoing reconciliation of customer accounts.
    • Develop and maintain effective working relationships with internal and external customers to maximize cooperation and efficiency.
    Requirements
    • Bachelor's Degree in finance, accounting, or equivalent experience.
    • Minimum of three (3) years in commercial credit.
    • Demonstrated organization, analytical, and problem-solving skills are required.
    • Highly skilled in complex financial analysis as it relates to evaluating creditworthiness.
    • Ability to identify and prioritize various tasks to efficiently produce results.
    • Strong verbal, written, and interpersonal communication skills are essential.
    • Energy industry or banking experience is preferred.
    • Experienced with receivable management systems and proficient in Microsoft Excel and Word.

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