Credit Analyst

Basic Function
HF Sinclair in Dallas, Texas is seeking a Credit Analyst to perform the credit activities of the organization and serve as a utility player for other facets within the broader finance organization. Ensure compliance with company's Credit Policy; evaluate, monitor, and manage financial exposure to counterparties (customers, suppliers, banks, insurance companies, etc.).
Job Duties

• Responsible for all aspects of the credit process for assigned customer base.
• Perform ongoing review of customer financials to ensure no deterioration in financial strength and creditworthiness, recommending appropriate action (change credit limit, obtain credit enhancements, etc.) to mitigate credit risk.
• Develop and foster relationships with the Marketing team to gain a better understanding of sales strategies (product placement needs, margin potential, geographic appetite, etc.).
• Conduct in-depth analysis of counterparty financial statements, obtain third-party credit information, and monitor macro aspects of global economy that may lead to a financial deterioration of customer segments.
• Manage and monitor company's over credit line exposure through the open order management system.
• Assist with developing methodology, financial models and systems for assessing customer financial risk and setting appropriate credit limits.
• Negotiate all forms of customer credit enhancements (letters of credit, cash deposits, personal and/or parent company guarantees, etc.) and coordinate with internal and external legal departments.
• As owner of the decision to extend credit, serve as escalation point for past due accounts in conjunction with Accounting and/or Marketing groups.
• Make recommendations on department and company process improvement opportunities, and enlist other appropriate departments to work towards implementation.
• Work closely with customers in financial distress to ensure company receives all monies due, minimize/eliminate bad debt write-offs and coordinate with other departments as needed.
• Develop and prepare materials for, and participate in, meetings with senior leaders to inform and discuss customer credit risk, risk mitigation strategies, and key performance indicators.
• Analyze financial risk of banking counterparties to better manage investment opportunities and provide recommendations on exposure appetite.
• Serve as the finance representative in cross-departmental initiatives, ad hoc projects, and acquisition integration.
• Cross-train with other departments within the finance group and provide backup and assistance as needed.

Special assignments or tasks assigned to the employee by their superior, as determined from time to time in their sole and complete discretion.
Experience
A minimum of 3 years of work experience in a finance role is required.
Preferred Experience
Banking, finance, or credit experience is preferred.
Education Level
A minimum of a Bachelor's degree in business or finance is required.
Preferred Education
MBA preferred.
Required Skills
The ability to effectively communicate with others, both verbal and written communication skills, good reading and writing skills, negotiation, analytical, problem solving and organizational skills; strong interpersonal skills with a customer focus; proficient with spreadsheet, word processing, electronic mail and database applications.
Supervisory/Managerial Responsibility
None.
Work Conditions
Office based with up to 10% travel
Our One HF Sinclair Culture:
At HF Sinclair, we are united through our One HF Sinclair Culture, which is underpinned by our five core values of Safety, Integrity, Teamwork, Ownership and Inclusion. Developed to empower our people, our five core cultural values are at the heart of everything we do and extend to how we engage our stakeholders. These values influence our decisions, shape our behaviors and keep us connected across the entire organization.
We maintain a true Safety culture for our employees, communities, environments and customers. Our goal is to make sure everyone returns home safely each day. We have a long-standing commitment to Integrity and ethical behavior and do what is right for our employees, investors, communities and the environment. We encourage employees to Step Up and Stand Out by championing a culture of Teamwork and Ownership. We foster a culture of Inclusion by encouraging diversity of experiences, viewpoints and backgrounds. What makes each of us different, together makes us stronger.
About HF Sinclair Corporation
HF Sinclair Corporation, headquartered in Dallas, Texas, is an independent energy company that produces and markets high-value light products such as gasoline, diesel fuel, jet fuel, renewable diesel and other specialty products. HF Sinclair owns and operates refineries located in Kansas, Oklahoma, New Mexico, Wyoming, Washington and Utah and markets its refined products principally in the Southwest U.S., the Rocky Mountains extending into the Pacific Northwest and in other neighboring Plains states. HF Sinclair supplies high-quality fuels to more than 1,500 branded stations and licenses the use of the Sinclair brand at more than 300 additional locations throughout the country. In addition, subsidiaries of HF Sinclair produce and market base oils and other specialized lubricants in the U.S., Canada and the Netherlands, and export products to more than 80 countries. Through its subsidiaries, HF Sinclair produces renewable diesel at two of its facilities in Wyoming and also at its facility in Artesia, New Mexico. HF Sinclair provides petroleum product and crude oil transportation, terminalling, storage and throughput services to its refineries and the petroleum industry.
Equal Opportunity Employer
HF Sinclair Corporation is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other prohibited ground of discrimination.