Credit Analyst

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We are a global energy business involved in every aspect of the energy system. We are working towards delivering light, heat and mobility to millions of people, every day. We are one of the very few companies equipped to solve some of the challenges that matter for the future. We have a real contribution to make to the world's ambition of a low carbon future. Join us, and get involved with what we can accomplish together. You can participate in our new ambition to become a net zero company by 2050 or sooner, and to help the world get to net zero.

In Hungary, we operate bp's Global Business Services organization which is an integrated part of bp. Our people want to play their part in solving the complex challenges facing our world today and, guided by our bp values, are working to help meet the world's need for more energy while lowering carbon emissions. In our offices in Budapest and Szeged, we work in customer service, finance, accounting, procurement, HR services and other enabling functions - providing solutions across all of bp. Join our team, and develop your career in an encouraging, forward-thinking environment!

Would you like to discover how our diverse, hardworking people are leading the way in making energy cleaner and better - and how you can play your part in our world-class team?

Join our Team and advance your career as a

Credit Analyst

Accountable to perform credit activities to ensure trade debtor balances are tightly controlled and credit risk appraisal of new and existing customers is carried out adhering to the Downstream credit standard & policies. The job holder has a strong influence to enable business with the customers at all.

In this role You will:

• Perform regular and event driven credit assessments of the customers based on the Credit Policy and Delegation of Authority by:
• analyze as the part of the credit assessment the
• financial information data of the customer (balance sheet, profit and loss, cash flow statements, agency reports etc.)
• soft facts of the customer
• make the right and timely conclusion and decision (risk rating, credit limit)
• define the overall need and type of collaterals for individual customers
• manage right handling for these collaterals
• coordinate with sales, customer and banks details on collaterals requested
• prepare high quality assessments above the own Delegation of Authority for further approval
• take decision to block / unblock customers from delivery
• continuous monitoring of customers via alerts
• be able to identify key, strategic or high risk business customers and issues and take actions together with the relevant stakeholders
• Exposure Management and Monitoring by
• monitoring of exposure regarding credit limit and overdues
• monitor and communicate results to sales and provide support to find positive solution for bp
• investigate and analyze porfolio trends, assess root causes and make suggestions on risk mitigations and improvements
• Understand the business and drive execution by
• support sales to find ways of working even with problematic customers
• keep close contact to sales by attending and/or organizing regular meetings on credit matters
• be a business partner to balance the risk and enable the business
• Credit Insurance
• perform related processes for the relevant customers
• define the overall need of credit insurance
• align with the regional Credit Manager
• Stakeholder management with all relevant people inside or outside of Credit, GBS and business departments in Europe
• Compliance with all relevant Credit Management related policies

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What You will need to be successful:

• Proficiency in English
• Other European language (Spanish, Polish, German, Dutch or French) is an advantage
• University Degree or equivalent experience preferred (in Economics or related fields) or other Graduation in Economics (High School)
• 2+ years of finance, preferably credit experience in an international environment, but we accept the application of fresh graduates too
• SAP knowledge is an advantage
• Ability to deal with complex situations and make decisions while maintaining the right balance of customer and business focus
• Ability to produce high-quality assessments within tight deadlines
• Great communication and interpersonal skills ​

At bp, we provide the following environment & benefits to you:

• 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!

Travel Requirement

Relocation Assistance:

Remote Type:

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Legal Disclaimer:

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with d.