Risk Analyst - Credit Risk

As an NRG employee, we encourage you to take charge of your career and development journey. We invite you to explore exciting opportunities across our businesses. You'll find that our dynamic work environment provides variety and challenge. Your growth is key to our ongoing success-take the lead in shaping your career development, goals and future!

Job Summary :

The successful candidate will have a Bachelor's degree in finance, accounting, or a related business field. They will be a mature self-starter, eager to learn and with basic understanding of financial statement analysis, collateral instruments, and financial exposure measurement and management. Reporting duties require basic Excel skills though expertise is desired. The successful candidate will join a team of credit professionals responsible for a portfolio of retail energy customers across North America and be a key contributor to the ongoing development of best-in-class risk management tools for NRG's retail credit team.

Essential Duties / Responsibilities :

• Perform credit reviews of current and prospective retail energy customers using financial analysis, third-party rating agency intelligence, data services, and proprietary models.
• Qualify prospective transactions including purpose, exposure, risks, and potential mitigants.
• Actively monitor and manage a designated retail customer portfolio by maintaining credit limits, ratings, and other prerequisite database fields for accurate reporting and monitoring.
• Apply good judgment in recommending transactions and applying appropriate credit limits to customers based on the credit analysis conducted.
• Participate in calls with customers and brokers to obtain information needed for credit review.
• Participate and negotiate retail master agreements.
• Perform weekly reporting of top customer exposures, expected losses, and over-limit issues.
• Support the development and enhancement of credit risk metrics, processes, and development of solutions to credit issues while remaining compliant with policy.
• Develop and maintain a strong working relationship with the sales team by addressing credit-related inquiries with a fast turnaround and clear response.

Working Conditions :

Minimum Requirements :

Preferred Qualifications :

Physical Requirements :

Standard open office environment.

Why NRG is a great place to work :

NRG Energy is committed to a drug and alcohol-free workplace. To the extent permitted by law and any applicable collective bargaining agreement, employees are subject to periodic random drug testing, and post-accident and reasonable suspicion drug and alcohol testing. EOE AA M / F / Vet / Disability. Level, Title and / or Salary may be adjusted based on the applicant's experience or skills.

Official description on file with Talent.