Company: Shell
Skills: Accounting, Asset Management, Financial Analyst
Experience: 3 + Years
Education: Bachelors/3-5 yr Degree
Employment Type: Full Time Salaried Employee
Location: Houston , Texas, United States
Status: Active


No location/work authorization restrictions found.

Job Description

This position is responsible for the credit risk analysis and management of a portfolio of Lubricants commercial accounts, working with customers and the business to optimize risk and return. Directly manage a portfolio of complex customer credit relationships that present high risk / high value at risk, interact with Credit Operations Centers in Manila handling lower value at risk accounts, and participate in the commercial deal process to optimize business returns by providing commercial insights, solutions, and advice which enable the business to optimize customer/portfolio risk vs. reward and achieve business objectives.
This role will be responsible for credit management activities for an assigned customer portfolio, including risk assessments, establishing credit limits, credit line increases, analysis of overall customer and portfolio credit exposures and optimizing balance of risk vs. reward, making recommendations on credit terms and contract language, managing high risk situations / trigger events, and the negotiation and management of security necessary to support higher risk exposures. Role will be responsible for maintaining effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external 3rd party trade customers, partnering with the business to influence deal structures and provide risk-based advice on customer credit matters, identifying and driving strategies/actions to deliver Credit and business unit goals, approving credit limits with delegated authority and securing approval for exposures exceeding individual authority, managing financial/credit risk for a customer portfolio according to the Downstream Credit Manual, and leading and/or provide support to regional/global Credit and Business initiatives.

 

 

  • Managing credit risk of an individual portfolio of complex, high risk accounts, appropriately optimizing the balance of risk and reward.
  • Perform customer creditworthiness assessments based on a detailed analysis of customer financial statements, utilizing internal assessment tools and available external credit information sources. Based on completed risk assessments and risk profile, assign customer risk categories, approve customer credit limits within MOA authority, and make customer credit limit proposals above MOA authority. Make difficult, well thought through decisions as well as develop creative commercial risk management solutions.
  • Regular customer engagements, including meetings with owners/officers/Sr. executives as necessary to understand business model, strategies, financial position, financing structure to complete credit assessments as well as to negotiating security when financial condition does not support credit exposure or in high-risk situations.
  • Work closely with the business to ensure a high level of support and ensure credit strategies/decisions fully support business growth aspirations and appetite for risk relative to costs and benefits to the business.
  • Management of the credit analysis and decision process to ensure proper due diligence is performed in accordance with Global Credit Policy standards and ensure full compliance.
  • Manage customer accounts to ensure financial exposure remains within approved credit limits. Provide approval for release of orders/product above established credit limit and tolerances per global credit policy and coordinate monitoring and control of exposures within approved credit limits.
  • Participate in Operational Credit Committee meetings with the Businesses to review portfolio risk, KPI status, current and emerging risk issues, and other currently relevant credit issues. Proactively review the Business customer risk portfolio to assist with balancing financial risk and Sales goals.
  • Review proposed contracts to ensure standard credit, payment, and assignment terms are present in contracts, or that adequate value is obtained for alternative contract terms. Work with Legal to assist contract owners in developing applicable credit terms when standard terms are not applicable or not acceptable to 3rd Party Customers.
  • Regularly meet with business units to review portfolio risk and share credit management strategies for handling of high-risk exposures. Prepare analytical recommendations to support and challenge the business in their market growth/consolidation efforts to ensure overall portfolio risk remains balanced.
  • Manage securities, ensuring that securities are renewed, replaced, or cash is collected prior to security expiration dates.

 


Company Description

Shell is a global group of energy and petrochemicals companies with over 90,000 employees in more than 70 countries and territories. In the US, we have operated for over a century and are a major oil and gas producer onshore and in the Gulf of Mexico, a recognized innovator in exploration and production technology, and a leading manufacturer and marketer of fuels, natural gas and petrochemicals. We deliver energy responsibly; operate safely with respect to our neighbours and work to minimize our environmental impact. We are in search of remarkable people who will thrive in a diverse and inclusive work environment to deliver exciting projects locally and globally. People who are passionate about exploring new frontiers. Innovators and pioneers. People with the drive to help shape our future. Because remarkable people achieve remarkable things.

Requirements

 

 

 

 

 

  • Must have legal authorization to work in the US on a full-time basis for anyone other than current employer.
  • Bachelor's degree in Finance, Accounting or related business degree; MBA a plus.
  • Minimum three (3+) years' experience in Credit or Finance preferred with a strong understanding of financial statements, complex financial and risk analysis.
  • Must be able to understand and interpret customer financial statements.
  • Strong commercial acumen
  • Excellent interpersonal, communication (verbal and written), and stakeholder management skills. Must have the professional competence and confidence to work effectively with both internal and external customers.
  • Strong influencing and negotiating skills with ability to make tough decisions and assume accountability for those decisions.
  • Ability to work decisions / issues to a satisfactory conclusion while maintaining customer relationships.
  • Must be positive, assertive and self-motivated to achieve results. A strong team player and demonstrated evidence of leadership skills.
  • Downstream business experience desirable
  • While a strong commercial acumen, financial analysis skills, sound risk management and decision-making skills are keys to success in this position, the successful candidate will need to be flexible and able to manage multiple priorities as well as manage the natural friction that occurs in a position charged with balancing risk and return in a large, dynamic customer portfolio.

 


Disclaimer

Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date.

Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Royal Dutch/Shell Group companies around the world.

The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand.

Shell participates in E-Verify.

All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information or other protected status under federal, state or local laws.

Shell is an Equal Opportunity Employer - Minorities/Females/Veterans/Disability.

 

 

 

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