Credit Risk Analyst

The Role:

Brook Green Supply (BGS) is an independent B2B energy supplier, providing tailored gas and electricity supply and Net-Zero solutions to industrial and commercial customers.

As a Credit Risk Analyst within the Commercial team, you will assess customer and prospective customer creditworthiness, monitor exposure and recommend proportionate risk mitigation. You will support sustainable business growth by delivering accurate, timely decisions and maintaining effective credit controls.

Working with Account Management, Sales, external customers, third-party intermediaries, credit reference agencies, credit insurers and brokers, you will review financial and contractual information, explain credit outcomes and support renewals, site additions and changes to payment terms.

Essential Functions of the Job:

• Complete accurate credit assessments using quantitative and qualitative information, submit credit insurance requests and carry out periodic credit limit reviews within agreed service levels.
• Assess financial statements, customer information and contractual arrangements to identify and explain counterparty credit risks.
• Recommend appropriate risk mitigation, including third-party guarantees, bank guarantees, letters of credit, security deposits and escrow arrangements.
• Monitor the receipt, validity and renewal of collateral and other credit support arrangements.
• Track credit exposures, insurance limits and collateral, escalating actual or potential breaches of approved thresholds.
• Communicate credit decisions clearly to internal stakeholders, explain the supporting rationale and request additional information when reassessment is required.
• Review credit decisions for contract renewals, site additions and amendments to payment terms.
• Monitor macroeconomic and sector developments that could affect customer or counterparty creditworthiness.
• Support implementation of credit risk policies, data validation, procedural improvements and consistent decision records.
• Contribute to credit risk models, key performance indicators, dashboards and automation that improve reporting, efficiency and data accuracy.
• Complete ad hoc analysis and projects as directed by management.

Skills & Experience Required:

• One to three years’ experience in credit risk or a finance-related role; experience in energy, utilities or commodities is desirable.
• Ability to interpret financial statements, assess credit risk and draw well-supported conclusions from financial and non-financial data.
• Understanding of credit risk management principles and controls.
• Strong numerical and analytical skills, with excellent attention to detail and the ability to produce accurate reports.
• At least intermediate Excel skills, including pivot tables, lookups and conditional formatting.
• Experience using a customer relationship management (CRM) system and multiple web-based platforms.
• Clear written and verbal communication skills, including explaining complex credit decisions to non-financial colleagues.
• Organised and self-motivated, with the ability to prioritise work, respond to changing demands and work with limited supervision.
• Commercial awareness, curiosity and a proactive approach to identifying practical solutions to risk issues.
• Knowledge of the UK electricity or gas industry is desirable; SQL, Python or Power BI experience is advantageous.

Brook Green Supply is committed to ensuring equal opportunities, fairness of treatment, dignity and respect, and the elimination of all forms of discrimination in the workplace for all employees/contractors and job applicants. We will never ask if you have a disability at any point in the recruitment process. However, if you require any specific accommodations during the interview process, please let us know and we will do our best to support you. The process, please let us know and we will do our best to support you.