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Senior Credit Risk Analyst

2 months ago

Dallas, Texas, United States Oncor Electric Delivery Full time

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

Relocation:
No

Position Overview:
The selected candidate will undertake two primary responsibilities as outlined below.

Credit Risk Oversight: Assist the Credit Manager in the administration of Oncor's Credit Risk Policy and generate credit risk reports for senior leadership, the Risk Management Forum, and for quarterly and annual financial disclosures.

Provide stakeholders with comprehensive analyses of current and prospective counterparty business and financial creditworthiness.

Ensure that credit extensions to Retail Electric Providers adhere to the PUC Substantive Rule. Aid in directing and monitoring credit activities that balance robust support of Oncor's operational activities while maintaining high-quality receivables and mitigating risks in the portfolio to align with Oncor's objectives and strategies while optimizing risk/return.

Collaborate with all business units within Oncor, particularly the Accounting, Revenue Management, and Legal departments, to facilitate Oncor's business objectives.

SEC Reporting, Financial Compliance, and Treasury Operations Support:

Support Treasury SEC reporting, daily treasury operations, and financial compliance activities. Assist the Credit Manager in preparing and submitting required RFI's quarterly to ensure necessary disclosures in 10Q and 10K filings.

Help prepare certain compliance documents and, in the absence of Treasury Operations personnel, perform their duties to the same standard.

Key Responsibilities:

The incumbent will:

  • Provide financial information analysis and support solutions to various Oncor business functions, utilizing a thorough understanding of revenue sources, billing practices, Generally Accepted Accounting Principles, work processes, business systems, and regulatory rules and procedures.
  • Participate in and contribute to the Revenue Management and Revenue Forecasting processes, communicate, coordinate, and consolidate financial information into the Financial Information Management system, and utilize various tools/reports for trend and variance analyses for Oncor's business functions.
  • Comfortably offer recommendations/options for management consideration based on appropriate analysis and research.
  • Consolidate, review, coordinate, and assess impacts to transactional financial data on external reporting processes.
  • Resolve process issues and drive process improvement initiatives that span multiple organizations, self-initiating analysis/innovation while engaging and communicating with relevant parties to ensure thorough follow-through.
  • Prepare reports reflecting financial results, conduct ad hoc analyses for data requests, and participate in closing processes, which may include specialized and complex journal entries, key accounting controls, and a critical role in rate case support.
  • Organize priorities and collaborate with other staff to ensure work projects are completed accurately within acceptable time limits, prepared appropriately for the targeted audience, and represent the highest quality work product.
  • Ensure explanations go beyond surface-level insights to identify root causes or drivers.
  • Keep all stakeholders informed in a timely and appropriate manner.
  • Review financial input data for accuracy prior to system updates.
  • Perform other duties as assigned.
Education, Experience, and Skills:

Minimum educational requirements include:

  • An undergraduate 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 evaluate counterparty creditworthiness.
  • Ability to analyze balance sheets, income statements, and cash flow statements.
  • Understanding of collateral documents, including guarantees, letters of credit, and surety bonds.
  • Strong leadership skills with the ability to influence others, both externally and internally.
  • Excellent verbal, written, listening, and conflict management skills.
  • Proficient business acumen, including knowledge of Oncor's business objectives and regulatory environment.

Minimum Skill Requirements:

  • Effective communication with peers, management, and clients to support decision-making across various levels.
  • Ability to be flexible, self-motivated, and work independently.
  • Possess excellent interpersonal skills to build and maintain strong working relationships while remaining independent and objective.
Measures of Success:

Success will be measured by:

  • Timely and accurate credit risk and other reports to management and external sources.
  • Timely and accurate processing of borrowing notices.
  • Accurate tickler system for monitoring security.
  • Minimizing bad debt expense and the percentage of receivables beyond 30 days past due.
  • Understanding the responsibilities and obligations of other positions within the Treasury group and assisting in fulfilling their obligations in their absence.
  • Potentially assuming the role of Credit Risk Manager within one year if applicable.