Sr Credit Analyst


Houston, TX, US, 77019

Req ID: 436021 


     BASIC PURPOSE: The Sr. Credit Analyst is primarily responsible for partnering with the Musket Credit Manager, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Sr. Credit Analyst will be able to draft documents and prepare for credit reviews with limited support from the Credit Manager. The Sr. Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.



  • Conducts credit reviews of prospective customer’s financial statements, credit reports and other data to determine risk in extending credit with counterparty.  Approves applicants/terms or makes recommendations within delegated authorities.
  • Works credit limit increase and term change requests from internal and external sources.
  • Monitors daily counterparty exposure to ensure trading activity is within established limits and relevant credit policy.
  • Negotiates and administers credit provisions of contracts and various other security related documents (e.g., guarantees, letters of credit).
  • Works with various departments (Marketing/Sales, Collections, Billing, Cash Application, Treasury, Accounting, etc.) in Customer System Set-up, resolving customer issues, managing customer risk/exposures and ensuring compliance with credit policy.
  • Helps company maximize profits through effective risk analysis and exposure management which facilitates sales yet minimizes bad debt losses and optimizes A/R turnover.
  • Assists the Credit Manager with monthly reports and other projects as assigned.
  • Spread and analyze complex financials for energy companies.
  • Monitor exposure and understand mitigation strategies.



  • Education:
    • Bachelor’s Degree or equivalent experience preferred.
  • Experience:
    • Prior experience in SAP/SRA/Bloomberg preferred.
    • Experience with onboarding and KYC methods for international firms.



  • Skills:
    • Financial Risk Analysis
    • Microsoft Office (Excel & Word).
    • Strong verbal/written communications and people skills.
    • Ability to remain professional during conflict and difficult situations.
    • Good time management and organization skills, team player, can-do attitude, ability to drive results.
  • Typical Physical Demands:
    • Requires prolonged sitting, some bending and stooping.
    • Occasional lifting up to 25 pounds.
    • Manual dexterity sufficient to operate a computer keyboard and calculator.
    • Requires normal range of hearing and vision.

Job Function(s): Accounting and Finance 


Love’s has been fueling customers’ journeys since 1964. Innovation and perseverance continue to lead the way for the family-owned and -operated business headquartered in Oklahoma City with more than 40,000 team members in North America and Europe. The company’s core business is travel stops and convenience stores with more than 630 locations in 42 states. Love’s continues its commitment to offer products and services that provide value for professional drivers, fleets, four-wheel customers, RVers, alternative fuel and wholesale fuel customers. Giving back to communities Love’s serves and maintaining an inclusive and diverse workplace are hallmarks of the company’s award-winning culture.


The Love’s Family of Companies includes:

  • Gemini Motor Transport, one of the industry’s safest trucking fleets.
  • Speedco and Love’s Truck Care, the largest oil change and preventive maintenance and total truck care network.
  • Musket, a rapidly growing, Houston-based commodities supplier and trader.
  • Trillium, a Houston-based alternative fuels expert.
  • TVC Pro-driver, a commercial driver’s license (CDL) protection subscription service.


The Love's Experience

Love’s was founded in 1964 on the values of integrity, customer focus, strong work ethic, innovation and perseverance. We are looking for these in every person we hire. No matter what job you do for Love’s, your commitment to these values will not only continue our legacy of growth, it will also ensure your successful career.

Nearest Major Market: Houston

Job Segment: Credit Analyst, Financial, SAP, ERP, Credit, Finance, Technology