Junior Credit Analyst

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 world. 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.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 aJunior Credit AnalystInt His 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 thefinancial information data of the customer (balance sheet, profit and loss, cash flow statements, agency reports etc.)soft facts of the customermake 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 collateralscoordinate with sales, customer and banks details on collaterals requestedprepare high quality assessments above the own Delegation of Authority for further approvaltake decision to block / unblock customers from deliverycontinuous monitoring of customers via alertsbe able to identify key, strategic or high risk business customers and issues and take actions together with the relevant stakeholdersExposure Management and Monitoring bymonitoring of exposure regarding credit limit and overdue itemssupervise and communicate results to sales and provide support to find positive solution for bpinvestigate and analyze portfolio trends, assess root causes and make suggestions on risk mitigations and improvementsUnderstand the business and drive execution bysupport sales to find ways of working even with problematic customerskeep close contact to sales by attending and/or organizing regular meetings on credit mattersbe a business partner to balance the risk and enable the businessCredit Insuranceperform related processes for the relevant customersdefine the overall need of credit insurancealign with the regional Credit ManagerStakeholder management with all relevant people inside or outside of Credit, GBS and business departments in Europe and USCompliance with all relevant Credit Management related and Quality Management System policiesWhat You Will Need To Be SuccessfulFluent English knowledge, knowledge of other European language is an advantagePreferably at least 1 year of finance experience in an international environment, but we accept the application of fresh graduates tooSAP knowledge is an advantageAbility to deal with complex situations and make decisions while maintaining the right balance of customer and business focusAbility to produce high-quality assessments within tight deadlinesGreat communication and interpersonal skillsUniversity Degree (or equivalent experience) in Economics or Finance field is preferredAt bp, we provide the following environment & benefits to you:Different bonus opportunities based on performance, wide range of cafeteria elementsLife & health insurance, medical care packageFlexible working schedule: home office up to 2 days / week, based on team agreementOpportunity to build up long term career path and develop your skills with wide range of learning optionsFamily friendly workplace e.g.: Extended parental leave, Mother-baby roomEmployees’ wellbeing programs e.g.: Employee Assistance Program, Company Recognition ProgramPossibility to join our social communities and networksChill-out and collaboration spaces in our beautiful Budapest Agora and Szeged offices e.g.: Play Zones, Office massage, Sport and music equipmentbp Hungary won the Most Attractive Employer 2024 Award (SSC / BSC sector) fourth time in a row at PwC's annual employer research. Come and join us!We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform crucial job functions, and receive other benefits and privileges of employment.