Credit Risk Analyst

Date:  Nov 20, 2023

Houston, TX, US, 77002

Company:  NRG

At NRG, we’re bringing the power of energy to people and organizations by putting customers at the center of everything we do. We generate electricity and provide energy solutions and natural gas to millions of customers through our diverse portfolio of retail brands. A Fortune 500 company, operating in the United States and Canada, NRG delivers innovative solutions while advocating for competitive energy markets and customer choice, working towards a sustainable energy future. More information is available at Connect with NRG on Facebook, LinkedIn and follow us on Twitter @nrgenergy.

Job Summary: 


The successful candidate will be a seasoned professional having 5+ years of relevant experience in the energy industry. They will be proficient in financial statement analysis, possess an understanding of collateral instruments, and have knowledge of exposure measurement and management. Reporting duties require basic Excel skills though expertise is desired. The successful candidate will join a team of credit professionals responsible for a portfolio of retail energy customers across North America and be a key contributor to the ongoing development of best-in-class risk management tools for NRG’s retail credit team.



Essential Duties/Responsibilities:


  • Perform credit reviews of current and prospective retail energy customers using financial analysis, third-party rating agency intelligence, data services, and proprietary models.
  • Qualify prospective transactions including purpose, exposure, risks, and potential mitigants.
  • Actively manage a designated retail customer portfolio by maintaining credit limits, ratings, and other prerequisite database fields for accurate reporting and monitoring.
  • Apply good judgment in recommending transactions and applying appropriate credit limits to customers based on the credit analysis conducted.
  • Conduct calls with customers and brokers to obtain information needed for credit review.
  • Aid the weekly reporting of top customer exposures, expected losses, and over-limit issues.
  • Support the development and enhancement of credit risk metrics, processes, and development of solutions to credit issues while remaining compliant with policy.
  • Develop and maintain a strong working relationship with the sales team by addressing credit-related inquiries with a fast turnaround and clear response.


Working Conditions:

  • Open office environment a minimum of 3 days/week.
  • Ability to work effectively in a remote environment 1-2 days/week.



Minimum Requirements:


  • University undergraduate degree in Accounting, Finance, Economics, or a related field.
  • Energy industry experience, including familiarity with energy commodity sales / trading and risk management concepts
  • Foundational understanding of financial statements and credit risk metrics.
  • Strong written and oral communication skills.
  • Detail-oriented, able to work independently and collaboratively with other team members and departments.
  • Basic skills in Excel, PowerPoint, and MS Word.   


Preferred Qualifications:


  • Experience with third-party credit agencies including Dun & Bradstreet, Credit Risk Monitor, Experian/Equifax, S&P Capital IQ, Moody’s KMV, or others.
  • Accounting designation or CFA
  • Highly skilled with MS Excel and SQL; proficient with other MS Office products.
  • Functional knowledge of reporting software such as Tableau or PowerBI.
  • Understanding energy master agreements is a plus.



Physical Requirements:


Standard open office environment.



Why NRG is a great place to work:

  • Great company culture!! Voted as a BEST employer by Forbes
  • A competitive total compensation package, including annual incentive and/or commission
  • Stock Purchase Plan 
  • Benefits on the first day of employment - Medical, Dental, Vision, Life Insurance, and Short Term Disability, Wellness program, etc.   
  • Company-paid life insurance and disability insurance
  • 401 (k) plan to help save for retirement
  • Generous PTO plan, plus 8 company holidays, and 3 floating holidays
  • Numerous discounts, including electricity discounts on NRG brands





** No Outside Recruiters or Agencies **


NRG Energy is committed to a drug and alcohol free workplace.  To the extent permitted by law and any applicable collective bargaining agreement, employees are subject to periodic random drug testing, and post-accident and reasonable suspicion drug and alcohol testing. EOE AA M/F/Protected Veteran Status/Disability

EEO is the Law Poster (The poster can be found at

Level, Title and/or Salary may be adjusted based on the applicant's experience or skills.

Official description on file with Talent.

Nearest Major Market: Houston