Senior Credit and Trade Loan Analyst (Fixed term)

As a leading global energy company, we provide heat, light and mobility to customers worldwide. Across the bp landscape, we’re home to a range of brands across many areas of our industry.  We’re investing in today’s energy system and helping build out tomorrow’s. So while we’re still in oil and gas, over the next decade we’ll become a different kind of energy company. We’re decarbonizing and diversifying our business, fundamentally transforming what we do so we can reach net zero by 2050 or sooner. We also have a strong mission to help the whole world reach net zero too – working across our industry to improve people’s lives.  

It's an exciting time to join bp. Meeting the energy challenge requires many different approaches and solutions. And as part of Finance Business & Technology (FBT), you’ll be fully connected into the world of bp. You’ll play an increasingly important part within a network of like-minded colleagues partnering on strategic projects that stretch across the globe. And it starts with you. There’s a world of opportunities to build new skills, challenge yourself and grow a long-term career at bp. And no matter where you work, your role will have meaning, purpose and impact. So if you want to be part of a caring, supportive environment where you can realize your full potential, we’re with you.

Join our Team and advance your career as a

Senior Credit and Trade Loan Analyst (Fixed term)

• Perform regular and event driven Credit Assessments and Trade Loan evaluations Policy, EMEA

• Perform Customer Due Diligence to understand the financial and commercial prospects of the customer

• Work together with sales to collect the necessary financial documents from the customer for a timely evaluation of the creditworthiness of the 3P

• Prepare, validate & submit trade loan proposals with credit appraisal for approval and ensure that they are aligned with BP financial guidelines (eg IRR, Credit Risk, DoA)

• Review and ensure that Trade Loan and Credit Risk data in local ERP and other relevant systems is correctly set up

• Use personal judgement and initiative to develop effective and constructive solutions to challenges in trade loan evaluation, credit risk and performance management

• Investigate, plan and implement strategically effective and relevant methods to improve the deals and meet customer expectations

• Define the overall need and type of securities, coordinate with sales, customer and/or banks details on securities

• Trade Loan and Credit Exposure Management, Monitoring, Forecasting

• be able to identify key, strategic or high risks related to trade investments and take actions together with the relevant partners.

• Evaluate and articulate the underlying delivery of actuals vs. the target (volume and Gross Margin) on a monthly basis and take action as per the Contract.

• Monitoring of credit exposure regarding credit limit and overdues, delivery of KPI’s

• Take full ownership of the assigned Trade Loan and Credit portfolio, take part in decision making from commercial point of view together with partners (Sales, Americas Finance& Credit management).

• Understand the business and drive execution by

• keep close contact to sales by attending and/or organizing regular meetings on Trade Loan and Credit Assessment reviews and be a business partner to balance the risk and enable the business

• Resolve internal & external queries and issues

• Reporting by

• Perform various regular reporting activities and ad hoc reporting’s in an accurate and timely manner; Reconcile and validate Trade Loan accounts and be able to analyze and explain Trade Loan P&L impact.

• Strong knowledge in finance, accounting and credit analysis area.

• 4+ years of Commercial Evaluations, Credit Risk or Finance performance experience in an international environment

• Able to deal with complex situations while maintaining the right balance of customer and business focus to drive performance improvements

• Able to produce consistently high-quality information within tight deadlines.

• Different bonus opportunities based on performance, wide range of cafeteria elements

• Life & health insurance, medical care package

• Flexible working schedule: home office up to 2 days / week, based on team agreement

• Opportunity to build up long term career path and develop your skills with wide range of learning options

• Family friendly workplace e.g.: Extended parental leave, Mother-baby room

• Employees’ wellbeing programs e.g.: Employee Assistance Program, Company Recognition Program

• Possibility to join our social communities and networks

• Chill-out and collaboration spaces in our beautiful Budapest Agora and Szeged offices e.g.: Play Zones, Office massage, Sport and music equipment

• Assets like phone for private usage and company laptop are provided from the first day of employment with other equipment if requested.

bp Hungary won the Most Attractive Employer 2023 Award (SSC / BSC sector) third time in a row at PwC's annual employer research. Come and join us!