Credit Analyst

Date: May 21, 2021

Location: Saint Louis, MO, US, 63101

Company: Spire Inc.

Company Overview

At Spire, we believe energy exists to help people. To enrich their lives, grow their businesses, advance their communities. It’s a simple idea, but one that’s at the heart of our business. We’re dedicated to understanding our customers’ needs and goals to better serve them today and tomorrow. That’s why we’re always looking for driven, collaborative people to join our team. Because we believe that offering our customers the best service means bringing together the best people.

We value safety, inclusion, and integrity. We connect to people, get the job done, and leave a memory and everything about our culture comes back to one thing: a handshake at the front door. We have 4 essential behaviors that show how the Spire culture comes to life:

Living Spire Behaviors

  • We Collaborate: We reach across boundaries to connect with each other and deliver on our promises. We put teamwork first, knowing that our collective energy makes us stronger.
  • We Care: We create good memories by treating people how we want to be treated: We are inclusive, respectful and kind. We actively create a caring culture that feels like a handshake at the front door.
  • We Advance: We are active learners who never stop looking for ways to innovate and improve ourselves, and our company. We embrace ongoing development and process improvement with passion and tenacity.
  • We Have Perspective: We strive to gain additional perspective about Spire’s business and the ever-changing energy industry. We know that every employee plays an important role in Spire’s success, and we give our best to better understand how to help move the company forward.


Spire is seeking a Credit Analyst to work in the St. Louis, Missouri operation.  The position will be responsible for carrying out a portion of the Credit Policy to mainly support the Spire Marketing non-utility subsidiary of Spire, which includes all tasks in the daily preparation of credit management reports and related work, as well as supporting other Spire subsidiaries which require credit management assistance.

Duties and Responsibilities

  • Review credit risk for commercial, industrial and wholesale customers and trading partners of utility subsidiaries and non-regulated subsidiaries of Spire Inc.
  • Generate, review, and distribute Spire Marketing Credit Report.
  • Allocate Exposure for parent unsecured credit limits among subsidiaries to ensure minimal Above Credit Limit Violations on counterparty level
  • Allocate Liquidity Guaranty Amounts Using Current Liquidity Breakdown File & Spire Marketing Credit Report to Ensure Maximum Spire Parental Guaranty’s Utilized
  • Credit-worthiness evaluations of all existing known counterparties including current rating agency ratings, if any, for credit limits expiring on a monthly basis
  • Contact select counterparties to request their latest financial statements for evaluation
  • Update Exposure Credit Lines for Credit Limit Types for new amounts and/or dates as result of monthly credit evaluations
  • Spire Missouri Current Hedge Sensitivity Scenario
  • All Reporting to Credit Insurers for Spire Marketing Insured Entities
  • Update Rating Agency Ratings on an Annual Basis Using Info from Most Recent Credit Evaluation
  • Update Probability of Default on an Annual Basis using Most Recent Credit Evaluation
  • Credit trade receivables insurance counterparty selection, contract negotiations, review and meetings with Spire Marketing about selected retail counterparties
  • DTCC Annual End-User Clearing Exception
  • GMEI Utility Annual Certification Maintenance for various Spire entities
  • Credit application requests
  • Credit reference requests
  • Update credit for all Spire Marketing counterparties on ICE
  • Support Credit Manager on special projects
  • Backup to Credit Manager for credit evaluation refreshes or new requests concerning vendors as well as buyers regarding potential new business
  • Credit trade receivables insurance quotes, negotiations, additions, subtractions, and tracking
  • Update Exposure Credit Lines for Credit Insurance Limit Type for new amounts and/or dates due to insurance additions/cancellations
  • All other duties as assigned

Essential Characteristics and Competencies

  • Ability to demonstrate the core and job category competencies: customer-focused, results-driven, teamwork, communications, adaptability, initiative, problem solving and quality
  • Ability to lead by example in support of the company’s essential characteristics and values: strong ethics and integrity, dedication to a safe work environment, commitment to a diverse workforce that recognizes and respects every individual’s unique skills and perspectives
  • Ability to work under pressure and meet tight deadlines
  • Ability to adapt in a fast moving, growing and changing culture
  • Strong interpersonal skills with the proven ability to build and establish rapport with a diverse array of people
  • Ability to work independently and manage time effectively in order to meet individual goals and deadlines
  • Good planning and organizational skills
  • Solid analytical, data integrity and problem-solving skills
  • Ability to work as part of a team and display a positive attitude in a dynamic environment

Supervisory Responsibilities

Required Education (certifications, licenses)

  • Bachelor’s Degree required, preferably in Finance, Business, Accounting or related field.

Required knowledge, skill and abilities

  • Three years of similar experience, preferably in energy industry.
  • Financial statement analysis, ratio analysis and other methods of evaluating credit risk for individual companies or a portfolio.
  • Credit evaluation and reporting.
  • Intermediate to advanced working knowledge of Excel.
  • Strong oral and written communication skills.
  • Oracle, SAP, Endur and/or other Energy Trading Risk Management system experience is preferred.

Physical demands, environment and schedule

  • Normal Work Environment – Work is normally performed in a shared office environment
  • Typically, 7:30 a.m. to 4:30 p.m. Monday through Friday, with the flexibility to work additional hours as required depending on the workload and required deadlines.
  • No travel required.


We Advance
We Care
We Collaborate
We Have Perspective

Posting Requirements

Spire accepts online applications through our career site at


Posting requirements: The above posting description is intended to describe the general nature of the level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. To perform this job successfully, an individual must be able to perform each duty and responsibility satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Spire, Inc., and its subsidiaries are Affirmative Action and Equal Employment Opportunity employer. 


We are committed to providing equal employment opportunity in all areas, including but not necessarily limited to, recruitment, selection, training, education, compensation, benefits, promotion, job transfer, upgrading, separation and recall regardless of the individual’s race, color, sex, age, religion, national origin, genetics, sexual orientation, gender identity, disability, veteran status, and/or other protected categories under all Federal, State, and local laws. For more information, please view our Integrity and Inclusion pages of our career site.

Job Location: St Louis

Job Segment: Credit Analyst, Credit, ERP, Database, Oracle, Finance, Technology