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Credit Risk Advisor
Shell
Kraków, Poland
Posted on Jul 25, 2024
The Credit department at Shell is dedicated to managing risks arising from sales with third-party customers. Our primary objective is to assess the creditworthiness of customers, informed by industry, sovereign, and external market intelligence, to decide the credit terms that may be extended as part of the sale. We support business objectives through risk and value-based decision-making, consistent with our Business Risk Appetite, World Class People, and Processes.
About the role:
Accountable for delivery of E2E Credit Process for the supported OU & LoB, all Credit Risk operational & strategic activities, and close cooperation (go-to person) with the Business on risk appetite for the supported portfolio.
Key Responsibilities:
Manage a portfolio of complex customer credit relationships that present high risk/high value at risk.
Participate in the commercial deal process to optimize business returns by providing commercial insights, solutions, and advice.
Conduct credit risk analysis and management for an assigned customer portfolio, including risk assessments, establishing credit limits, and recommending credit terms and contract language.
Manage high-risk situations/trigger events and negotiate security necessary to support higher risk exposures.
Maintain effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external third-party trade customers.
Provide risk-based advice on customer credit matters and influence deal structures.
Approve credit limits within delegated authority and secure approval for exposures exceeding individual authority.
Lead and support regional/global Credit and Business initiatives.
Principal Accountabilities:
Assist and support the Credit Manager with the development and execution of credit risk strategies.
Partner with internal commercial and finance stakeholders and external counterparties.
Balance business objectives against credit risk in accordance with policy and Credit Committee directions.
Stay informed on external macro trends and business strategy implications on the portfolio.
Drive operational excellence in credit management.
Deliver on relevant business projects and support new business model deployments.
Key Interfaces:
Work with relevant business units.
Develop deep business and commercial knowledge, particularly with high risk/strategic customers.
Interact with E2E Risk & Operations teams, and other relevant teams to provide solutions for arising problems.
Communicate regularly with business GMs, VPs, and Finance.
Direct interaction with senior stakeholders across all functions.
Capabilities & Skills:
Minimum of 7 years of experience in credit risk, credit structuring, or financial analysis.
BA in Finance, Accounting, or related business degree; Credit Professional designation or MBA is a plus.
Strong understanding of financial statements, complex financial, and risk analysis.
Excellent commercial acumen.
Strong interpersonal, communication, and stakeholder management skills.
Strong influencing and negotiating skills with the ability to make tough decisions and assume accountability.
Ability to work through decisions/issues to a satisfactory conclusion while maintaining customer relationships.
Positive, assertive, and self-motivated to achieve results.
Strong team player with demonstrated leadership skills.
Ability to analyze, interpret, and visualize data to effectively convey insights and inform business decisions.
Advanced data & digital capabilities
While 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. This role involves balancing risk and return in a large, dynamic customer portfolio. The candidate may be required to pool with other Credit Advisors and support another class of business. It is essential for the candidate to display the necessary data and digital capabilities to deliver assigned projects and portfolio analysis.
Why to join us?
At Shell, we are committed to fostering an inclusive environment where every team member can thrive. By joining us, you'll have the opportunity to:
Be a part of the energy transition, contributing to projects that drive sustainability and innovation in the industry.
Engage with senior stakeholders and influence key business decisions.
Leverage cutting-edge digital solutions to optimize processes and drive efficiency.
Benefit from a diverse and inclusive workplace that promotes collaboration and personal growth.
Hybrid working model
We offer competitive compensation package, comprehensive benefits, and a dynamic work environment.
If you don't see yourself fully reflected in every job requirement listed on the posting above, we still encourage you to reach out and apply. Research has shown that women and underrepresented groups often only apply when they feel 100% qualified. We are committed to creating a more equitable, inclusive and diverse company and we strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply.