X4 Technology
Credit Risk Analyst
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Job Title: Credit Risk Analyst
Location: Hybrid (3 days In Office)
Salary: Up to £85,000 + benefits
Employment Type: Permanent
Start Date: Immediate
Industry: Energy & Commodity Trading
We're working with a leading, utility-backed global energy trading house to hire a Credit Risk Analyst for their London office.
You'll join the Middle Office credit function, reporting to the Credit Risk Manager and the team manages counterparty risk across a global portfolio, with a focus on EMEA and the Americas.
You'll work closely with credit and quantitative credit colleagues, as well as Trading, Legal, Compliance, Treasury, Market Risk and IT. The role is about delivering robust credit assessments, monitoring exposures and supporting commercially balanced credit decisions.
Credit Risk Analyst – Key Responsibilities
- Carry out timely, thorough credit reviews of new and existing counterparties. This includes identifying key risks, recommending internal ratings and limits, and proposing suitable credit structures and contractual protections.
- Assess the credit exposure created by new and existing trades. You'll work with quantitative colleagues to build current exposure, PFE and other risk measures into your recommendations.
- Negotiate credit terms, financial covenants and credit support provisions within commodity trading agreements, alongside Legal, Trading and Origination.
- Monitor daily counterparty and portfolio exposures, investigate limit usage or breaches, and recommend mitigating actions so that trading stays within approved parameters.
- Analyse sector, regional and energy market developments to spot emerging credit risks, then provide clear updates to Credit Management and Credit Committees.
- Support counterparty onboarding and periodic reviews, keeping credit information accurate and up to date in the relevant systems.
- Produce clear, insightful credit risk reporting, including KPIs, portfolio analysis, stress testing and scenario analysis.
- Contribute to process improvement, data integrity and control enhancements across the credit function.
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Credit Risk Analyst – Key Skills Required
- 5+ years of credit risk experience within a commodity or energy trading firm - Exposure to Power is highly desirable
- Strong financial and credit analysis skills. You should be able to interpret financial statements, weigh qualitative and quantitative risk factors, and form a clear, evidence-based credit view.
- The ability to deliver accurate work to shifting deadlines and to manage competing priorities, both independently and collaboratively.
- Excellent written and verbal communication in English, with the ability to tailor complex credit matters for both technical and non-technical stakeholders.
- A degree in finance, economics, business, maths or a related discipline, or a relevant professional qualification such as CFA or ACCA, or equivalent experience.
- Desirable: experience with credit risk, trading or analysis systems such as Endur, Allegro, CubeLogic, EKA, S&P Capital IQ, LSEG Workspace or Power BI.
- Desirable: experience using Python, VBA or AI-enabled tools to analyse data, improve processes or increase efficiency.
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