Senior Credit Risk Analyst

2 weeks ago

Dallas, Texas, United States Oncor Electric Delivery Full time

Salary Range:
$101,876 - $135,834

Relocation:
No

Overview:
The individual in this position will undertake two primary responsibilities as outlined below.

Credit Risk Oversight: Assist the Credit Manager in overseeing the implementation of the Oncor Credit Risk Policy and generate credit risk reports for senior management, the Risk Management Forum, and for quarterly and annual financial disclosures.

Provide stakeholders with insights into the current and potential creditworthiness of counterparties based on their business and financial status.

Ensure that credit extensions to Retail Electric Providers comply with PUC Substantive Rules. Aid in directing and monitoring credit operations that support Oncor's operational needs while safeguarding the quality of receivables and minimizing portfolio risk to align with Oncor's strategic objectives.

Collaborate with various business units within Oncor, particularly the Accounting, Revenue Management, and Legal departments, to facilitate the achievement of Oncor's business goals.

SEC Reporting, Financial Compliance, and Treasury Operations Support: Assist in Treasury SEC reporting, daily treasury functions, and compliance activities.

Support the Credit Manager in preparing and submitting required RFIs quarterly to ensure necessary disclosures in 10Q and 10K filings.

Contribute to the preparation of compliance documents and, in the absence of Treasury Operations personnel, fulfill their responsibilities to the same high standard.

Key Responsibilities: The incumbent will:

Deliver financial analysis and support solutions to various Oncor business functions, leveraging a comprehensive understanding of revenue streams, billing practices, Generally Accepted Accounting Principles, business processes, and regulatory impacts on financial and operational outcomes.

Engage in the Revenue Management and Revenue Forecasting processes, communicate and consolidate financial data into the Financial Information Management system, and utilize various tools and reports for trend and variance analyses across Oncor's business functions.

Provide recommendations and options for management consideration based on thorough analysis and research. This role will also consolidate, review, and assess the impacts of transactional financial data on external reporting processes.

Address process challenges and spearhead process improvement initiatives that span multiple organizations, proactively engaging with relevant parties to ensure thorough resolution and vetting of issues.

This position emphasizes a holistic view in developing solutions and innovations.

Generate reports reflecting financial outcomes, conduct ad hoc analyses in response to data inquiries, and participate in closing processes, which may involve complex journal entries, key accounting controls, and critical support for rate cases.

Organize priorities and collaborate with other staff to ensure that projects are completed accurately and within acceptable timeframes, tailored appropriately for the intended audience, and represent the highest quality of work.

Explanations should delve deeper than surface-level observations to identify root causes or drivers.
Maintain timely and appropriate communication with all stakeholders.
Review financial input data for accuracy prior to system updates.
Other responsibilities as assigned.

Education, Experience, and Skills:
A bachelor's degree in finance, business economics, or accounting; or
A minimum of 5 to 8 years of experience in a credit-related environment.
Minimum Experience Requirements: Proficient understanding of regulatory, financial, and subjective credit data to effectively evaluate counterparty creditworthiness;
Ability to analyze balance sheets, income statements, and cash flow statements;
Familiarity with collateral documents, including guarantees, letters of credit, and surety bonds;
Strong leadership abilities and the capacity to influence others, both internally and externally;
Excellent verbal, written, listening, and conflict management skills;
Solid business acumen, including knowledge of Oncor's business objectives and regulatory landscape.
Minimum Skill Requirements: Effective communication with peers, management, and clients to support decision-making at various levels;
Flexibility, self-motivation, and the ability to work independently;

Exceptional interpersonal skills to build and maintain strong working relationships while remaining objective in influencing business decisions.

Measures of Success: Timely and accurate credit risk and other reports to management and external stakeholders;
Prompt and precise processing of borrowing notices;
Accurate monitoring system for security;
Minimization of bad debt expenses and the percentage of receivables beyond 30 days overdue;
Understanding of other positions' responsibilities within the Treasury group and assisting in fulfilling their obligations in their absence;
Potential to assume the role of Credit Risk Manager within one year if applicable.

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