Senior Credit Analyst

POWER YOUR GREATNESS

PacifiCorp is seeking customer-centric candidates to grow and sustain our commitment to a culture of customer service excellence, environmental sustainability, inclusion and belonging. 

General Purpose

Oversees credit risk profiles of wholesale energy and structured transaction counterparties, commercial and industrial accounts, transmission customers, and vendors including monitoring of credit quality of existing and new counterparties/customers, monitoring exposures against maximum credit limits, ensuring collection and maintenance of adequate collateral as applicable, and reporting of credit risk exposures and mitigations to management.

Responsibilities

• Conduct credit reviews and recommend credit decisions, exposure limits, collateral requirements, and risk mitigation measures within delegated authority.
• Prepare reports on credit quality, exposures, collateral, and available credit. 
• Review, administer, and monitor collateral support arrangements including letters of credit, guarantees, surety bonds, escrow agreements, and other credit support instruments.
• Prepare daily margin requirements, periodic risk analysis, and ad hoc reports.
• Prepare weekly, monthly, quarterly, and ad-hoc credit reports for credit and senior management, including those needed for quarterly disclosure requirements for financial reporting.
• Manage credit specifications on online trading platforms.
• Perform credit reviews utilizing third-party credit ratings and financial statements to determine the degree of risk involved in extending credit and propose recommendations for maximum allowed exposure, trading rules, and minimum required collateral.
• Prepare and maintain detailed credit analyses on existing and prospective counterparties, customers, and vendors.
• Develop and implement the established credit policies or guidelines for credit investigation, monthly reports, monitoring, and risk mitigation of those business units served by the credit department. 
• Recommend process and reporting solutions and improvements to the director of credit and commodity risk governance committee.

Requirements

• Bachelor’s degree in Accounting, Business, Economics, Engineering, Finance, or a related field; or the equivalent combination of education and experience.
• A minimum of five years experience in credit or risk management or a related field. 
• Data gathering, analysis, interpretation, trending, forecasting, and modeling skills.
• Ability to work with internal and external customers in a fast-paced trading environment. 
• Communication and interpersonal skills including ability to consult with internal and external customers regarding matters/issues which may be sensitive in nature.
• Ability to work with all levels of an organization including people with different styles and backgrounds; ability to work as a member of a team. 
• Ability to assess corporate financial statements and make objective and subjective judgments about a company’s creditworthiness.
• Ability to work independently.

Preferences

• Experience with various types of collateral support documentation, including letters of credit, guarantees, surety bonds, and escrow agreements. 
• Experience with developing credit analysis spreadsheet models. 

Benefits

At PacifiCorp, we understand that living a healthy lifestyle isn’t just about your physical health — your mental, financial, and social wellbeing also play an important role. That’s why we offer a wide range of benefits designed to help you live a more balanced lifestyle.

Our benefits include: 

• Medical, dental, and vision insurance
• 401k with match fixed contributions, including a Roth and saving option. For union employees, matching contributions vary by union. For nonunion, PacifiCorp makes a fixed contribution equal to 4% of your eligible pay each year for new hires. In addition, PacifiCorp matches 100% of the first 6% you contribute. 
• Life insurance
• Additional voluntary benefits, including pet insurance
• Tuition Assistance
• Mass Transit Pass for employees in our Portland and Salt Lake City Offices.

Work Life Balance

• Generous Paid Time Off (PTO) - Time off varies by employee type (Union or Non-Union)
• Paid short-term disability leave and long-term disability insurance
• Paid Parental Leave
• Paid Bereavement Leave 
• Employee Assistance Program supporting mental and emotional wellbeing

For more information, please visit: https://careers.pacificorp.com/content/New-Benefits-Page/?locale=en_US

Additional Information

Req Id: 114961 
Company Code: PACIFICORP  #PM25 
Primary Location: PORTLAND  100% ONSITE   
Department: CFO 
Schedule: Full-Time
Personnel Subarea: Exempt
Hiring Range: 88,800 - 122,100

Target Incentive percentage: up to 15%

PacifiCorp is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or religious creed, age, national origin, ancestry, citizenship status (except as required by law), gender (including gender identity and expression), sex (including pregnancy), sexual orientation, genetic information, physical or mental disability, medical condition, veteran or military status, familial or parental status, marital status or any other category protected by applicable local, state or U.S. federal law.

Unless otherwise required by law, all offers of employment are contingent upon the successful completion of a background check and drug screening including for marijuana. While marijuana is legal in several states, including Oregon, a positive test for positions in Oregon may disqualify a candidate. The company complies with the laws of Washington and California and only obtains and considers positive tests for marijuana in safety-sensitive positions or those covered by U.S. Department of Transportation regulations.

Employees must be able to perform the essential functions of the position with or without an accommodation.