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Job Summary

The Credit Analyst V is part of a dynamic team focused on credit risk management. The job function was created to support and maintain policy definitions and approvals, strategic positioning, and other similar functions associated with the work streams. As part of this team, the Credit Analyst V has responsibility for gathering and analyzing credit information to evaluate creditworthiness on current and potential customers, preparing data-backed reports to support the management team in making strategic business decisions, developing improvements to business processes, identifying, and facilitating the creation of appropriate reporting around each function, managing and integrating processes relating to operations, and delivering an improved customer experience.

Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Analyze, recommend, maintain and monitor related financial data to evaluate creditworthiness of businesses in order to manage overall credit risk
• Analyze and consolidate financial results for data-backed reporting to Sr. Management
• Work closely with internal business units and strategic partners to timely communicate credit decisions and policies
• Develop knowledge of relevant industries; as well as economic conditions that impose credit risk to current and potential customers
• Monitor and assess day-to-day related issues to ensure business practices, policies and procedures are executed effectively
• Work with key personnel to define reporting needs and follow through with partner(s) to develop the tools
• Resolve reported issues in a timely and decisive manner, or escalate as appropriate
• Assess, analyze and prioritize business proposals for operational viability and ensure alignment with objectives
• Actively work with various internal/external teams by providing data expertise, offering original perspectives, and challenging conventional views to better align decision making/perceptions with changing business needs
• Employ statistical knowledge to develop relevant descriptive statistics related to business functions and other characteristics used to segment customers
• Actively work with various internal/external teams by providing data expertise, offering original perspectives, and challenging conventional views to better align decision making/perceptions with changing business needs
• Has Subject Matter Expert responsibility for analyzing and developing improvements to business process
• Provide direction and guidance to Analysts

Experience, Education & Skill Requirements

• 5-7+ years of related work experience
• Knowledge of Principles of Accounting and Financial Statements Analysis
• Strong familiarity with credit bureau ratings information
• Understanding of credit policy and procedures
• Strong attention to details, with the capability to multi-task and meet tight deadlines
• Strong research skills
• Excellent verbal and written communication skills
• Strong analytical skills, including root cause analysis
• Extensive communication and teamwork skills with both internal and external customers
• Advanced skill in using computer software applications such as MS Office products
• Working knowledge of Internet and related emerging technologies used to effectively aggregate/analyze critical business data
• Experience gained through college degree programs and/or certifications is applicable to above skills

Job Family

Marketing

Company

Vistra Retail Operations Company

Locations

Irving, Texas

Texas

If you currently work for Vistra or its subsidiaries, please apply via the internal career site.

It is the policy of the Company to comply with all employment laws and to afford equal employment opportunity to individuals in all aspects of employment, including in selection for job opportunities, without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, national origin, age, disability, genetic information, military service, protected veteran status, or any other consideration protected by federal, state or local laws.

If you are an individual with a disability and need assistance submitting an application or would like to request an accommodation, please email us at assistance@ vistraenergy.com to make a request.