Graduate Credit Analyst



From the time you join us, we will support you in developing digital, technical, and professional skills needed to progress and succeed which is essential to become a risk professional.

About us

We began our journey as an ambitious, independent gas supplier in the North West of England, built on great relationships and a passion for growth and excellent customer service.  We continuously developed our products to reach more customers and in less than ten years, we grew from employing a handful of people and supplying less than a hundred customers to become one of Britain’s leading non-domestic energy suppliers.  We now supply thousands of businesses and organisations with the energy they need to provide their products and services used by millions of people across Britain, France, and the Netherlands.  We are part of the SEFE Group – led by SEFE Securing Energy for Europe GmbH in Berlin – which employs approximately 1,500 employees and together, our mission is clear.

As a business we must be agile, constantly adapting to the ever-changing energy world, driven by forces of decarbonisation, competition, digitalisation and shifting customer expectations. Our Always Reaching for Better strategy equips us to expertly respond to changes and advancements, and quickly seize opportunities to grow and develop.  Our focus for 2022 – 2025 is strategic, profitable growth and strengthening our foundations, primarily by placing data and technology at the heart of our business model.  We’re looking for people who are passionate about where we’re going and will help us thrive long into the future.

As part of this programme, you will have the opportunity to get exposure to a variety of clients, working in a team in the front line involving multiple stakeholders, both internal and external. Our work continues to evolve being exposed to increased market and business risk and at the same time working towards continued demand for a more reliable data-based approach, stronger corporate governance with accountability and transparency.

Presently, our key area of focus is transformation with continuous improvement in integrating technology, data, and analytics to develop and implement risk modelling techniques with robust controls to strengthen our function and business towards cutting edge new techniques. Our people have a sense of pride as risk professionals pushing boundaries to become distinctive in the marketplace.

Joining as a Graduate

From the time you join us, we will support you in developing digital, technical, and professional skills needed to progress and succeed which is essential to become a risk professional. Investing in our people is important to us. You will work closely with teams, individual contributors, clients, thereby, multiple stakeholders which will enable building a strong, meaningful cohort that will support your growth in future years. In the risk function, we never stop learning and we continue to invest in personal development with career progression.

Our focus is to develop graduates to leaders of society at all levels within the firm, those who are authentic, who inspire, who lead by example and who consistently demonstrate the right behaviours and values. We are proud of our inclusive culture where people enjoy absolute freedom to bring their real selves to work where difference and individuality are celebrated. We encourage our people to support charity and other partnerships focusing on personal wellbeing and resilience.

Role objectives

  • The preparation and presentation of risk assessment, involving assessment of quantitative and qualitative factors, macro & micro economic trends, and latest developments.
  • Challenge the existing credit risk processes, solve complex problems, and drive the business to adapt agilely with emerging trends in credit risk management.

Duties & Responsibilities

  • Production of Credit Application Requests, involving financial analysis and appraisal of all credit risk factors.
  • To be aware of and monitor macro-economic trends and its implication on the risk environment.
  • Identify areas of improvement in procedures based on research on best practices in the risk function.
  • To ensure all credit applications processed and the associated reporting is conducted with full compliance to both credit policies and procedures.
  • Understand and review credit process, systems, and data. From credit request origination to fulfilment with interface between stakeholders, ensuring optimal processes are in place.
  • Provide support in the execution of projects within the risk function and requiring coordination with external suppliers and internal departments.
  • Analysis of portfolio credit reporting including potential future exposure, expected loss and Mark to Market metrics to ensure key risks and opportunities are identified.
  • The role holder may also be required to carry out any other duties within the scope and purpose of this role as requested by their line manager and in line with business needs.

Skills & Competencies

  • Strong analytical and organizational skills
  • Strong ability to utilise Data Sets and use credit tools
  • Ability to work under pressure and adapt to a changing environment
  • Strong attention to detail
  • Ability to produce accurate reports within tight deadlines
  • Effective written and verbal communication skills
  • Proficient with Microsoft Office products including Excel
  • Demonstrated ability to assess complex problems and deliver solutions
  • Knowledge of coding languages (Python) – advantageous


  • Understanding of financial analysis, credit risk management practices and framework
  • Advance data analytics / reporting capabilities advantageous


  • Educated to degree level in finance, numerical or comparable subject

Our offer to you

In return we offer a competitive starting salary supported by a comprehensive benefits package which includes; bonus earning potential, non-contributory pension, 25 days holiday plus bank holidays, buy / sell holidays, life assurance, allowance for medical and dental insurance together with a range of optional flexible benefits.

Based from our office in Manchester City Centre you can benefit from hybrid working offering the flexibility to spend some of your working week at home.

The 350 people working in our business are friendly and positive – you can approach anyone for help and your ideas are always welcome.  We’re committed to our REACH principles – Results, Expertise, Action, Challenge, Have courage – but above all else, we care for each other’s welfare and aspirations so you can expect to experience empathy and support throughout your journey with us.  We’re committed to creating an inclusive environment that embraces diversity and fosters the development of knowledge, skills, and experience, so all our people can thrive and prosper in their careers with us.  We are a place where you can be yourself and make your mark because whatever your role, you’ll find an open, welcoming atmosphere that empowers you, encourages fresh thinking, and recognises your contribution.

In the UK, our people practices have been awarded Gold status by Investors in People and we have a silver EcoVadis rating demonstrating our commitment to sustainability.

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