Advisor I, Credit - Commercial

Phillips 66 • Houston, TX

7d

About The Position

As an Advisor I, Credit - Commercial you’ll play a key role in supporting sound credit decisions and helping the business operate with confidence. You’ll be part of a team that values clarity, collaboration, and good judgment, contributing to a reliable credit process that keeps commercial activity moving smoothly. This role is a great fit for someone who enjoys solving problems, working with partners across the organization, and making a meaningful impact in a dynamic environment.

Requirements

• 1 or more years of experience providing credit support in the energy industry, specifically in the power and natural gas sector
• High School Diploma or GED equivalent
• Legally authorized to work in the job posting country

Nice To Haves

• Bachelor’s degree or higher in Finance, Accounting, or a related field
• Experience providing credit support in the energy industry, especially natural gas or power
• Familiarity with financial statements and financial analysis
• Proficiency with SAP or similar enterprise systems
• Ability to analyze data, apply established financial policies, and follow defined credit processes with accuracy
• Strong verbal communication skills to resolve inquiries and support internal and external partners
• Comfort working in a fast‑paced environment and collaborating with cross‑functional teams

Responsibilities

• Monitor credit exposure using internal systems and apply established credit policies to support informed credit decisions.
• Investigate aged debt, work with customers and account managers to resolve underlying issues and recommend actions that maximize collections.
• Review and assess new counterparties or new activity for existing relationships, identifying key credit risk drivers and communicating findings clearly.
• Prepare accurate reports and insights that support credit reviews, operational needs, and day‑to‑day decision‑making.
• Work independently to resolve complex process questions and escalate policy exceptions when required.
• Partner with commercial, legal, accounting, and credit evaluation teams to support credit limit recommendations and resolve collection challenges.
• Negotiate and support credit enhancements such as guarantees or letters of credit in alignment with established guidelines.
• Maintain accurate exposure data, ensure documentation quality, and contribute to ongoing improvements in credit processes.
• Address issues such as delinquencies, disputes, or potential bankruptcies with sound judgment and timely follow‑through.
• Build your expertise through hands‑on analysis, technology adoption, and collaboration in a fast-paced environment.

Benefits

• Annual Variable Cash Incentive Program (VCIP) bonus
• 8% 401k company match
• Cash Balance Account pension
• Medical, Dental, and Vision benefits with an annual company contribution to a Health Savings Account for employees on HDHP
• Total well-being programs and incentives, including Employee Assistance Plan, well-being reimbursement, and backup family care services

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 5,001-10,000 employees