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Energy Credit Risk Jobs in Houston, TX (NOW HIRING)

Motiva Enterprises

Credit Analyst

Houston, TX · On-site

Required Education and Experience: * 3+ years of relevant experience in a credit risk function or related role, including energy credit experience. * Bachelor's degree in finance, accounting, or a ...

Bank of America

Credit Officer II - Energy

Houston, TX · On-site

$150 - $230/hr

... Energy industry. Responsibilities * Partners with relationship management and product partners to ... Drives credit and risk approval processes for new credit originations, renewals, increases, and ...

New

Bank of America

Credit Officer II - Energy

Houston, TX

... Energy industry. Responsibilities: * Partners with relationship management and product partners to ... Drives credit and risk approval processes for new credit originations, renewals, increases, and ...

New

Shell

Sr. Credit Analyst - Power & Gas

Houston, TX · On-site

$115K - $173K/yr

Drive people development and best practice knowledge sharing throughout the Global Credit Risk organization. This position will have accountability managing a portion of the overall Shell Energy ...

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Showing results 1-20

All JobsEnergy Credit Risk JobsEnergy Credit Risk Jobs in Houston, TX

Energy Credit Risk information

See Houston, TX salary details

$82.6K

$151.2K

$228.7K

How much do energy credit risk jobs pay per year?

As of Aug 10, 2026, the average yearly pay for energy credit risk in Houston, TX is $151,184.00, according to ZipRecruiter salary data. Most workers in this role earn between $127,500.00 and $169,500.00 per year, depending on experience, location, and employer.

What are some typical challenges faced by professionals in energy credit risk roles, and how can these be managed effectively?

Energy Credit Risk professionals often contend with market volatility, fluctuating commodity prices, and evolving regulatory environments, all of which can impact a client's creditworthiness and exposure. Managing these challenges requires staying updated on market trends, maintaining strong analytical skills, and collaborating closely with trading, finance, and legal teams to assess and mitigate risks. Regular communication with stakeholders and ongoing monitoring of counterparties are also essential to proactively identify and address potential credit issues.

What is energy credit risk?

Energy credit risk refers to the potential financial loss that energy companies, such as utilities or trading firms, may face if a counterparty fails to fulfill its financial obligations. This type of risk is particularly important in the energy sector due to the high volatility of energy prices and the complex nature of energy markets. Professionals in energy credit risk assess the creditworthiness of clients and counterparties, set credit limits, and monitor exposures to help mitigate potential losses. Their work ensures the financial stability of energy transactions and supports sound risk management practices within the industry.

What is the difference between Energy Credit Risk vs Energy Risk Analyst?

AspectEnergy Credit RiskEnergy Risk Analyst
Required CredentialsDegree in finance, economics, or related field; certifications like CFA often preferredDegree in finance, economics, or related field; certifications like CFA often preferred
Work EnvironmentFinancial institutions, energy trading companies, credit departmentsEnergy companies, trading firms, financial institutions
Industry UsageFocuses on assessing creditworthiness of energy counterparties and managing credit exposureAnalyzes market risks, price fluctuations, and trading strategies in energy markets

Energy Credit Risk professionals primarily evaluate the creditworthiness of energy counterparties and manage credit exposure, ensuring financial stability. In contrast, Energy Risk Analysts focus on analyzing market risks, price movements, and trading strategies within energy markets. While both roles require similar credentials and work within the energy industry, their core responsibilities differ—credit risk focuses on credit assessments, whereas market risk emphasizes price and market analysis.

What are the key skills and qualifications needed to thrive as an energy credit risk analyst?

To thrive as an Energy Credit Risk Analyst, you need strong analytical abilities, a solid understanding of credit risk principles, and relevant qualifications such as a degree in finance, economics, or a related field. Familiarity with risk management software, financial modeling tools like Excel, and experience with energy market data platforms are typically required. Excellent communication, decision-making, and problem-solving skills are essential for collaborating with stakeholders and making informed risk assessments. These skills ensure accurate credit evaluations, minimize financial exposure, and support effective risk management within the dynamic energy sector.
What are popular job titles related to Energy Credit Risk jobs in Houston, TX? For Energy Credit Risk jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Energy Credit Risk jobs in Houston, TX look for? The top searched job categories for Energy Credit Risk jobs in Houston, TX are:
Energy Credit Risk jobs near you
Infographic showing various Energy Credit Risk job openings in Houston, TX as of August 2026, with employment types broken down into 95% Full Time, and 5% Contract. Highlights an 94% In-person, and 6% Hybrid job distribution, with an average salary of $151,184 per year, or $72.7 per hour.

Credit Analyst

Motiva Enterprises

Houston, TX • On-site

Full-time

Posted 14 days ago

Job description

At Motiva, our employees' energy, passion, and dedication to excellence are what make us who we are and what allows us to generate energy that makes a house a home, gets us from point A to point B, and enables our health and wellbeing. We invest in every aspect of our employees' lives because, at Motiva, our people matter.
Headquartered in Houston, Texas, Motiva refines, distributes and markets petroleum products throughout the Americas. The company's Port Arthur Manufacturing Complex in Port Arthur, TX, is comprised of North America's largest refinery with a total throughput of 720,000 barrels per day, the largest base oil plant in the western hemisphere, and an integrated chemical plant. Under exclusive long-term brand licenses with Shell and Phillips 66 (for the 76® brand), Motiva's commercial operations supply more than 12 billion gallons of fuel to customers annually. Motiva is wholly owned by Aramco, one of the world's largest integrated energy and chemicals companies.
Position Overview:
The Credit Analyst is responsible for evaluating the creditworthiness of Motiva's counterparties and partnering with commercial teams to establish appropriate credit limits. This role performs credit risk analysis, recommends credit limits, negotiates and monitors security, interfaces with customers and business units, balances risk and return, approves block orders that exceed established credit limits, and supports Credit team initiatives aligned with business unit goals.
Responsibilities:
  • Build and maintain collaborative relationships with commercial desks, functional support teams, and customers by developing creative solutions that support business strategies.
  • Perform detailed financial statement analysis to develop counterparty risk profiles and establish credit limits within designated authority levels.
  • Prepare in-depth credit analyses and business rationales to support approval requests above delegated authority levels.
  • Meet and communicate directly with customers' senior financial leaders to gain insight into customer financial health and risk exposure.
  • Negotiate security arrangements to support credit limits not fully supported by financials and ensure timely renewal or replacement of security before expiration.
  • Apply sound judgment and conduct proper due diligence in accordance with Motiva's Credit Policy standards.
  • Approve the release of product or liftings above established credit limits, as appropriate.
  • Develop analytics and reporting for operational, management, and ad hoc business needs.
  • Coordinate with external vendors to improve credit evaluation efficiency and accuracy through enhanced rating methodologies.
  • Support Credit and related internal system implementations and upgrades by providing technical guidance, validating system specifications, and designing, executing, and reporting on system and service testing.
  • Develop business test scenarios to identify expected outcomes, potential gaps, and opportunities for improvement within the credit system.

Experience and Qualifications:
Required Education and Experience:
  • 3+ years of relevant experience in a credit risk function or related role, including energy credit experience.
  • Bachelor's degree in finance, accounting, or a related field.
  • Strong written and verbal communication skills.
  • Strong organizational and time management skills, with the ability to prioritize competing work demands.
  • Advanced proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.

Preferred Education and Experience:
  • 5+ years of relevant experience in a credit risk function or related role, including energy credit experience.
  • Strong ability to analyze counterparty financials, industry trends, country risk research, and business and market information.
  • Ability to adapt in a fast-paced environment with strong commercial acumen.
  • Knowledge of and proficiency with SAP S/4HANA and RightAngle systems.
  • Experience supporting system implementations and project management, specifically with ETRM and Credit Risk systems.
  • Strong understanding of software development lifecycles and systems integration methodologies.
  • Experience identifying software enhancement opportunities, analyzing user needs, and recommending improvements to business processes and system efficiencies.

We reserve the right to amend or withdraw Motiva jobs at any time, including prior to the closing date. Depending on qualifications, the successful candidate may be offered a position at a more appropriate level and/or grade.
Applicants for regular U.S. positions must be authorized to work in the United States for Motiva Enterprises LLC without the need for sponsorship of an immigration authorization or visa (for example, TN, H-1B, or other employment-based immigration authorization or visa).
Motiva participates in E-Verify.
All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information, or other protected status under federal, state, or local laws.

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