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Robert Half Logo Robert Half · Finance

Credit Analyst

United States, San Diego Employment contract · Job Posted June 04, 2026
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Job Description

We are looking for a Credit Analyst to join our team in San Diego, California, supporting credit evaluation and portfolio oversight within the energy and natural resources sector. This role focuses on assessing counterparty financial strength, guiding credit decisions that enable commercial activity, and helping protect the business from unnecessary exposure. The position also contributes to reporting, account maintenance, and collections efforts through close coordination with commercial and finance stakeholders.

Job Responsibility

  • Evaluate new and existing counterparties by reviewing financial statements, key ratios, and overall creditworthiness to support timely business decisions and commercial discussions
  • Gather and interpret third-party market intelligence and credit information from recognized external sources to strengthen risk assessments and recommendations
  • Conduct recurring portfolio reviews, update financial analyses, and apply internal scoring methodologies to determine appropriate risk classifications
  • Recommend and process revisions to customer credit capacity based on changing exposure, financial performance, and business needs
  • Calculate, track, and administer collateral or margin requirements, including cash deposits, letters of credit, guarantees, and related credit support arrangements
  • Prepare recurring management reports that summarize portfolio conditions, exposure trends, and other credit-related metrics with a high level of accuracy
  • Maintain complete and reliable counterparty records in the company’s credit and trading systems to support reporting and operational accuracy
  • Assist credit leadership with special assignments, ad hoc analysis, and routine requests tied to risk management and departmental priorities
  • Manage collection activities independently, follow up on outstanding balances, and work toward resolution in line with contractual payment terms
  • Partner with sales, leadership, and cross-functional teams to resolve billing or account disputes, reconcile balances, and preserve strong customer relationships while reducing settlement risk

Requirements

  • 2+ years of experience in credit analysis, commercial credit, collections, or a related financial risk role
  • Working knowledge of financial statement analysis, ratio interpretation, and credit risk evaluation principles
  • Experience handling commercial customer accounts, including credit applications, account reviews, and payment follow-up
  • Ability to assess exposure and support decisions involving credit limits, collateral, and other risk mitigation tools
  • Strong analytical skills with attention to detail and the ability to produce accurate reports and documentation
  • Comfortable working independently on day-to-day priorities while managing multiple deadlines
  • Effective communication skills with the ability to coordinate with customers and cross-functional internal stakeholders
  • Proficiency using business systems and external credit research resources to maintain records and support analysis

What we offer

  • medical
  • vision
  • dental
  • life insurance
  • disability insurance
  • 401(k) plan
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