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Job details

Sr Analyst Credit

Posting End Date:

April 29, 2025

Employee Type:

Regular-Full time

Union/Non:

This is a non-union position

This is an intermediate level analyst position within the Enterprise Risk group at Enbridge. The Senior Analyst Credit will perform credit reviews, recommend credit limits and monitor credit exposure against approved limits. The analyst will also prepare and distribute credit reports for the business units they support.
 

We provide career growth opportunities, skill development, and competitive benefits including generous time off.

Apply now to join our diverse team! #joinourteam
 

What You Will Do:

  • Perform complex enterprise wide credit reviews for rated and non-rated counterparties and recommend credit limits for multiple business units within Enbridge.

  • Coordinate with the other members of the credit group on enterprise wide credit limit approvals and financial assurances required to grant credit authorization.

  • Monitor credit exposure against approved limits and proactively request collateral from counterparties as needed.

  • Prepare and distribute credit reports to the appropriate Enbridge business units.

  • Assist with the execution of new or amended financial assurances (parental guarantees, letters of credit, other).

  • Enter and file all financial assurances in Enbridge’s system of record.

  • Update counterparty and credit information into Enbridge’s system of record for credit risk management.

  • Preparation of monthly reporting to the Enbridge Risk Committee and Board of Directors.

  • Develop and continually update process documents (desk book) for all material credit processes.

  • Participate in the implementation of credit policy, procedures and processes to measure, monitor and control counterparty credit risk impacting Enbridge and its subsidiaries.

  • Perform more sophisticated assignments as advised by Enterprise Risk management.

  • Support credit SOX controls and Audit requirements.

  • Note: This job description is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of accountabilities, qualifications, or other aspects of the job.
     

Who You Are:

  • Related university degree in accounting, finance or business and/or completion or near completion of a professional designation.

  • 2+ years of energy credit risk management experience.

  • Sound technical understanding of financial statement analysis and credit risk management.

  • Strong attention to detail.

  • Strong written and oral communication skills.

  • Ability to multi-task and meet tight deadlines.

  • Experience with prioritizing work and implementing processes to streamline and optimize work.

  • Share our core values of Safety, Integrity, Respect, Inclusion and High Performance.
     

Preferred:

  • Finance related designation (CPA, CFA or MBA) and

  • Energy industry experience
     

Working Conditions:

  • Works under tight deadlines in respect to approvals, monitoring and requesting security

  • Working for up to 8 or more hours daily

  • Working over 8 hours/day required at peak times
     

Flex Work Arrangements: Enbridge provides competitive workplace programs that differentiate us and offer flexibility to our team members. Enbridge’s FlexWork (Hybrid Work Model) offers eligible employees the opportunity to work variable daily schedules with a flexible start and end time, to opt for a compressed workweek schedule, or the option to work from home on Wednesdays and Fridays. Role requirements determine your eligibility for each option. #LI-Hybrid
 

Physical Requirements include but are not limited to:

Grasping, kneeling, light – moderate lifting (objects up to 20 pounds), reaching above shoulder, repetitive motion, typing, sitting, standing, visual requirement (able to see screens, detect color coding, read fine print), hearing requirement and the ability to sit at a computer for long periods of time.
 

Mental Requirements (Both Field & Office) include but are not limited to:

Ability to: understand, remember and apply oral and/or written instructions or other information, understand complex problems and collaborate/explore alternative solutions, organize thoughts and ideas into understandable terminology, organize and prioritize work schedule on a short-term basis, make decisions which have moderate impact on the immediate work unit and monitor impact outside this area, understand and follow basic instructions and guidelines, complete routine forms, compose letters, outlines, memoranda and basic reports and communicate with individuals via telephone.

At Enbridge, we are dedicated to our core value of Inclusion. We are proud to be an Equal Opportunity Employer. We are committed to providing employment opportunities to all qualified individuals, without regard to age, race, color, national or ethnic origin, religion, sex, sexual orientation, gender identity or expression, marital status, family status, veteran status, Indigenous status, disability, or any other reason protected by federal, state, or local law. Applicants with disabilities can request accessible formats, communication supports, or other accessibility assistance by contacting careers@enbridge.com.

Information For Applicants:

  • Applications can be submitted via our online recruiting system only.

  • We appreciate your interest in working with us; however, only those applicants selected for interviews will be contacted.

  • Final candidates for this position may be required to undergo a security screening, including a criminal records check.

To learn more about us, visit www.enbridge.com

Average salary estimate

$80000 / YEARLY (est.)
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$70000K
$90000K

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What You Should Know About Sr Analyst Credit, Enbridge

Are you a forward-thinking financial whiz with a knack for credit risk management? Enbridge is on the lookout for a Senior Analyst Credit to join our dynamic team in Houston, TX! In this role, you'll dig deep into complex credit reviews, providing invaluable insights and recommendations for credit limits that support various business units. Your expertise will be essential in monitoring credit exposures and ensuring that our company's financial health is safeguarded. At Enbridge, we pride ourselves on our commitment to your growth. With opportunities for skill development, a supportive work environment, and competitive benefits including generous time off, you'll be empowered to thrive in your career. So, whether you’re preparing in-depth credit reports or engaging in strategic discussions about financial assurances, each day will present new challenges and rewards. We value individuals who embody our core principles of Safety, Integrity, Respect, Inclusion, and High Performance. If you hold a related degree in finance and have over two years of experience in energy credit risk management, we’d love to hear from you. Join Enbridge and help us shape the future of safe and sustainable energy while growing your career to new heights. Don’t miss out – apply now and become an integral part of our diverse community!

Frequently Asked Questions (FAQs) for Sr Analyst Credit Role at Enbridge
What are the main responsibilities of a Sr Analyst Credit at Enbridge?

As a Senior Analyst Credit at Enbridge, your responsibilities will include performing complex credit reviews, recommending credit limits, and monitoring credit exposure for multiple business units. You'll also be involved in preparing and distributing credit reports, assisting with financial assurances, and ensuring compliance with credit policies.

Join Rise to see the full answer
What qualifications are necessary for the Sr Analyst Credit role at Enbridge?

To qualify for the Sr Analyst Credit position at Enbridge, you should have a related university degree in accounting, finance, or business, and ideally hold a finance-related designation such as CPA, CFA, or MBA. Additionally, having over two years of energy credit risk management experience is essential to excel in this role.

Join Rise to see the full answer
How does Enbridge support career growth for Sr Analyst Credit positions?

Enbridge is dedicated to the professional development of its employees. As a Senior Analyst Credit, you will have access to career growth opportunities, skill development programs, and a range of competitive benefits that cascade into a fulfilling work environment.

Join Rise to see the full answer
What software skills are needed for the Sr Analyst Credit position at Enbridge?

For the Sr Analyst Credit role at Enbridge, proficiency in financial statement analysis and credit risk management systems is crucial. Strong spreadsheet skills and familiarity with databases are also recommended to efficiently enter and manage credit-related information.

Join Rise to see the full answer
What is the work environment like for a Sr Analyst Credit at Enbridge?

The work environment at Enbridge for a Senior Analyst Credit is dynamic and engaging. Employees enjoy a hybrid work model that offers flexibility in their daily schedules, making it easier to balance personal and professional responsibilities while tackling tight deadlines in credit management.

Join Rise to see the full answer
Common Interview Questions for Sr Analyst Credit
Can you describe your experience with credit risk management?

When answering this question, provide a detailed overview of your background in credit risk management, highlighting specific experiences such as credit reviews, managing exposures, or preparing financial reports. Be sure to mention any relevant tools or software you used and the impact of your work.

Join Rise to see the full answer
How do you prioritize your tasks when managing multiple credit reviews?

It's important to articulate a systematic approach to prioritization. Discuss how you assess urgency, the significance of each review, and your organizational methods to ensure timely completion of tasks. Share an example if possible.

Join Rise to see the full answer
What is your understanding of collateral management in credit?

Explain the importance of collateral management in mitigating credit risk. You can illustrate your answer with examples of how you have requested collateral in previous roles and how you maintained compliance with established credit limits.

Join Rise to see the full answer
How do you handle tight deadlines in your work?

Discuss specific strategies you use to manage stress and maintain productivity under tight deadlines, such as time management techniques, effective communication with your team, and how you've successfully met deadlines in challenging situations.

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What metrics do you use to assess counterparty risk?

Detail the key metrics you consider to assess counterparty risk, such as credit scores, historical performance, financial ratios, and market conditions. Highlight how you employ these metrics in making informed credit decisions.

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Describe a challenging situation you faced while making a credit recommendation.

Share a specific example of a challenging credit recommendation decision, explaining the context, the analysis you performed, the outcome, and the lessons learned from that experience.

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How do you ensure compliance with internal credit policies?

Explain your approach to ensuring adherence to internal credit policies through regular audits, tracking and monitoring credit limits, and collaborating with other departments to ensure transparency and compliance.

Join Rise to see the full answer
Can you give an example of how you improved a credit-related process?

Provide an example of a process improvement initiative you undertook in a previous role, detailing the steps you took, the challenges you encountered, and the positive results achieved through that improvement.

Join Rise to see the full answer
What role does communication play in your job as a Sr Analyst Credit?

Emphasize the importance of strong communication skills in conveying complex credit data to various stakeholders, obtaining approvals, and collaborating with team members. Share instances where effective communication facilitated success in your role.

Join Rise to see the full answer
How do you stay updated with the latest trends in credit risk management?

Discuss your commitment to continuous learning in the field of credit risk management, highlighting industry publications, webinars, conferences, or training programs you engage with to stay informed about new methodologies and regulations.

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Enbridge’s vision is to be the leading energy delivery company in North America.

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April 17, 2025

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