Advisor I, Credit - Commercial
Phillips 66, Houston, TX, United States
Phillips 66 & YOU - Together we can fuel the future
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.
What You’ll Do
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 escalation 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.
What You’ll Bring — Required
Legally authorized to work in the job posting country.
High School Diploma or GED equivalent.
1 or more years of experience providing credit support in the energy industry, specifically in the power and natural gas sector.
What Makes You Stand Out — Preferred
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.
Total Rewards At Phillips 66, providing access to high quality programs and care for you and your family is important to us. Maintaining a culture of well‑being — physical, emotional, social, and financial — is essential for a high‑performing organization. When we are at our best we are poised to deliver exceptional results — personally and professionally. Benefits for certain eligible, full‑time employees include:
Benefits
Annual Variable Cash Incentive Program (VCIP) bonus
8% 401(k) 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.
Phillips 66 is an Equal Opportunity Employer.
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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.
What You’ll Do
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 escalation 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.
What You’ll Bring — Required
Legally authorized to work in the job posting country.
High School Diploma or GED equivalent.
1 or more years of experience providing credit support in the energy industry, specifically in the power and natural gas sector.
What Makes You Stand Out — Preferred
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.
Total Rewards At Phillips 66, providing access to high quality programs and care for you and your family is important to us. Maintaining a culture of well‑being — physical, emotional, social, and financial — is essential for a high‑performing organization. When we are at our best we are poised to deliver exceptional results — personally and professionally. Benefits for certain eligible, full‑time employees include:
Benefits
Annual Variable Cash Incentive Program (VCIP) bonus
8% 401(k) 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.
Phillips 66 is an Equal Opportunity Employer.
#J-18808-Ljbffr