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Senior Credit Analyst

This is a CONTRACT POSITION.Your employment will be held by a third-party company of ENGIE’s choosing. Any offered contract role will not constitute an offer for nor guarantee of future employment with ENGIE.Duration:• One YearCompensation:• Pay Rate: $50.00/hr.Location:• Houston (Hybrid)What You Can ExpectThe role involves conducting credit analysis and performing various credit-related functions, such as assessing the creditworthiness of individuals or businesses, evaluating financial statements, reviewing credit applications, and monitoring credit risks. It also includes making informed recommendations regarding credit limits, terms, and lending decisions to minimize risk while supporting responsible credit extension.• Independently analyze and interpret financial statements for the purpose of establishing, maintaining, or denying credit. • Publish credit write-ups incorporating a quantitative and qualitative analysis and recommend credit limits and offer solutions.• Maintain and process various credit controls in the risk and data systems• Ability to maintain abreast of current industry news and events.What You’ll Bring• Bachelors in Accounting or Finance degree is required.• 5-7 years experience in Energy Credit Risk Management required• Knowledge of Excel and other MS Office suite software• Knowledge of CapIQ credit scoring tool or similar• Familiarity with CubeLogic or similar credit monitoring systemAdditional Details• This role is eligible for our hybrid work policy; explain any work outside of the typical policy• Must be willing and able to comply with ENGIE’s policy with respect to COVID vaccination and testing• Must be willing and able to comply with all ENGIE ethics and safety policiesWhy ENGIE?ENGIE North America isn’t just participating in the Zero-Carbon Transition, we’re leading it! Join us as we develop energy that is renewable, efficient, and accessible to everyone.At ENGIE, our goal is to support, promote, and thrive on diversity, equity, and inclusion. We do so for the benefit of our employees, customers, products and services, and community. ENGIE is proud to be an equal opportunity workplace, and we are firmly committed to creating an equitable and inclusive environment for all employees.We are committed to providing employees with a work environment free of discrimination and harassment. All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.If you need assistance with this application or a reasonable accommodation due to a disability, you may contact us at ENGIENA-ENGIEHR@engie.com. This email address is reserved for individuals with disabilities in need of assistance and is not a means of inquiry regarding positions or application status.We are unable to sponsor or take over sponsorship of an employment visa for this role at any time.The safety of our employees is our number one priority. All employees at ENGIE have both a duty and the authority to STOP WORK if unsafe acts are observed.
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What You Should Know About Senior Credit Analyst, ENGIE

Are you looking for an exciting opportunity as a Senior Credit Analyst with ENGIE in Houston, TX? This contract position offers a chance to dive deep into the world of credit analysis while working in a hybrid environment. As part of the ENGIE team, you’ll conduct thorough credit assessments for both individuals and businesses, playing a crucial role in evaluating their creditworthiness. Your responsibilities will include analyzing financial statements, reviewing credit applications, and monitoring potential credit risks. You’ll have the opportunity to publish comprehensive credit write-ups that showcase your quantitative and qualitative analysis, making recommendations on credit limits and lending decisions that reflect insight and care. With a compensation rate of $50.00/hr and a contract duration of one year, you’ll not only be challenged but also rewarded for your expertise. To thrive in this role, a Bachelor’s degree in Accounting or Finance, along with 5-7 years of experience in Energy Credit Risk Management, is essential. Familiarity with tools like Excel, CapIQ, and CubeLogic will help you shine in this position. ENGIE believes in supporting diversity, equity, and inclusion, ensuring that everyone can thrive in a safe and welcoming environment. If you’re ready to help lead the charge towards the Zero-Carbon Transition while advancing your career as a Senior Credit Analyst at ENGIE, we’d love to hear from you!

Frequently Asked Questions (FAQs) for Senior Credit Analyst Role at ENGIE
What are the primary responsibilities of the Senior Credit Analyst at ENGIE?

The Senior Credit Analyst at ENGIE holds vital responsibilities that include conducting comprehensive credit analyses, assessing the creditworthiness of individuals and businesses, publishing credit write-ups, and recommending credit limits. This role emphasizes minimizing risk through informed lending decisions while also monitoring credit risks regularly.

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What qualifications are required for the Senior Credit Analyst position at ENGIE?

To qualify for the Senior Credit Analyst role at ENGIE, candidates must possess a Bachelor's degree in Accounting or Finance and have between 5 to 7 years of experience in Energy Credit Risk Management. Familiarity with tools such as CapIQ and CubeLogic, alongside proficiency in Excel and the MS Office suite, is essential for success.

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How does the hybrid work policy function for the Senior Credit Analyst role at ENGIE?

The Senior Credit Analyst position at ENGIE allows for a hybrid work arrangement, meaning employees can balance remote work with in-office time. The specifics of this policy can vary, but the aim is to provide flexibility while ensuring productivity and collaboration.

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What is the compensation for the Senior Credit Analyst role at ENGIE?

The pay rate for the Senior Credit Analyst position at ENGIE is $50.00 per hour. This compensation reflects the importance of the role and the expertise required to succeed in the tasks at hand.

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What values does ENGIE promote for their employees in the Senior Credit Analyst position?

ENGIE places a strong emphasis on diversity, equity, and inclusion within the workplace. They're committed to fostering a safe environment free from discrimination or harassment, allowing all employees, including the Senior Credit Analyst, to thrive and contribute positively.

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Common Interview Questions for Senior Credit Analyst
Can you explain your experience with credit analysis in your previous roles?

When answering this question, focus on highlighting specific methodologies you’ve used in your previous roles, particularly in assessing creditworthiness. Discuss the types of financial statements you’ve analyzed and any tools like CapIQ or Excel that aided your analysis.

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How do you stay updated on credit risks and industry trends?

Demonstrating awareness of current industry news shows your initiative. Mention specific resources, including financial news outlets, industry reports, and networking with professionals, that help you stay informed about trends and risks relevant to credit analysis.

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Describe a challenging credit analysis decision you had to make.

Outline a scenario where you had to analyze risks critically and make a recommendation despite uncertainties. Highlight your analytical process and how you weighed pros and cons in making your decision, showing your capability for sound judgment.

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What tools do you prefer for analyzing credit and why?

Discuss any specific tools you've used, such as CapIQ or CubeLogic, explaining their relevance to credit analysis. Talking about your proficiency will not only demonstrate your technical skills but also your readiness to adapt to ENGIE's systems.

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How do you ensure accuracy in your credit analyses?

Detail the steps you take to maintain accuracy, such as cross-referencing data, using multiple sources for information, or double-checking calculations. Discussing a systematic approach assures interviewers of your commitment to quality.

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Can you tell me about a time you disagreed with a lending decision?

Share a scenario where you took a stand on a particular credit decision, explaining your rationale and the outcomes. Focus on how your analysis influenced the final decision and any adjustments that were made.

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What process do you follow for monitoring ongoing credit risk?

Articulate a clear process for continuous monitoring, such as regularly updating financial records, tracking changes in market conditions, and reassessing credit limits based on the latest data. This reflects your proactive approach to risk management.

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In your opinion, what qualities are essential for a successful Senior Credit Analyst?

Highlight qualities like analytical thinking, attention to detail, effective communication, and the ability to work independently. Relate these traits to your experiences and how they would benefit ENGIE as a company.

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What strategies do you use for effective communication with stakeholders?

Discuss methods for clearly presenting complex financial analyses to diverse audiences. Emphasize your ability to tailor your communication style to different stakeholders while ensuring they grasp key points.

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How do you handle feedback on your credit analyses?

Explain your openness to receiving feedback as an opportunity for growth. Provide examples of how you have incorporated feedback into your work in the past, demonstrating your adaptability and commitment to continuous improvement.

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ENGIE is a global reference in low-carbon energy and services. With its 96,000 employees, its customers, partners and stakeholders, the Group is committed to accelerate the transition towards a carbon-neutral world, through reduced energy consumpt...

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DATE POSTED
December 7, 2024

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