Credit Risk Analyst

Role: Brook Green Supply are an independent B2B energy supply company. You will be working alongside a vastly experienced team who have operated in the energy industry for many years, providing a fantastic career opportunity for a determined, flexible, and driven individual, with personal development and progression aligned to the continued growth and success of the business.

As part of the Credit Risk team under the Commercial department, you will be involved in liaising with both internal account managers and account management coordinators, as well as external clients and prospect clients, third party intermediaries, credit reference agencies, credit insurance providers and credit insurance brokers regarding energy supply, contractual arrangements, credit management, as well as complementary services. There will be a focus on critically assessing data and contracts, commercial risk management, providing knowledge and expertise to internal departments, ensuring key client accounts are closely managed and facilitating sustainable business growth.

• Completing accurate credit assessments based on both quantitative and qualitative data, submitting credit insurance requests, and undertaking periodic credit limit reviews
• Proactively identifying solutions to ensure appropriate credit risk mitigation, such as requesting alternative forms of collateral (i.e., third-party guarantees, bank guarantees, letters of credit, security deposits, escrow accounts)
• Monitoring and managing the effective delivery of alternative forms of collateral, as well as updating and renewing these facilities as required
• Monitoring credit exposures, insurance limits, and collateral arrangements, ensuring they remain within approved thresholds
• Efficiently and effectively communicating credit decisions to internal counter parties, providing relevant feedback, and requesting the required information for reassessment
• Exploring, implementing, and reviewing credit decisions relating to renewals, site additions and payment term amendments
• Tracking and interpreting macroeconomic and sector developments that may impact counter party risk
• Assisting in implementing credit risk policy, data validation, and procedural improvements
• Supporting the development of risk models, KPIs, and dashboards
• Carrying out ad-hoc projects and analysis as directed by management

In return, we’ll develop your knowledge and expertise in some of the following areas:

• Commercial decision-making skills
• Risk mitigation and management
• Developing and maintaining highly effective business relationships
• Regulatory frameworks for both the Gas and Electricity markets
• Industry operations, billing and compliance.

• Excellent verbal and written communication skills
• Strong technical background with excellent analytical and numerical skills and high attention to the detail
• Ability to read and understand financial data and perform financial analysis
• Ability to communicate complex credit findings clearly to non-financial stakeholders
• Self-motivated and inquisitive, with an interest in commercial energy markets and credit risk
• Flexible approach to problem-solving and creative thinking to deliver actionable solutions
• A conscientious, responsible and intellectually curious individual who takes pride in their work
• Ability to work under pressure, comfortable working in a fast-paced, constantly evolving environment and able to quickly respond to changing business needs and demands
• Able to prioritise and manage your own workload with reduced supervision
• Ability to mine, aggregate and produce accurate reports

• 1-3 years’ experience in credit risk or finance positions (ideally within energy, utilities, or commodities)
• Working knowledge of the Electricity and/or Gas industry desirable
• Strong understanding of credit risk management frameworks and financial statement analysis
• Experience using a CRM system alongside multiple web-based platforms
• At least intermediate proficiency in Excel (pivot tables, lookups, conditional formatting)
• Experience with SQL, Python, Power BI advantageous

Brook Green Supply is committed to ensuring equal opportunities, fairness of treatment, dignity and respect, and the elimination of all forms of discrimination in the workplace for all employees/contractors and job applicants.