TotalEnergies

Trade Finance & Credit Officer

LocationHouston, TX

About This Job


Contexte et environnement


Working at TotalEnergies

At TotalEnergies we are committed to balancing flexibility while fostering strong relationships among our team members. Our field site employees work together to build teamwork through collaboration. This position is in Houston, Texas where you will work from the field and also from the field site office.


What We Provide

TotalEnergies offers a robust comprehensive benefits package available to employees on the first day of hire. These benefits include but are not limited to generous PTO, medical, dental & vision care, HSA with company contributions, health FSA, commuter benefits or paid parking, 401(k) plan with employer match, pension plan, life & accident insurances, generous parental leave, education assistance, fitness subsidy and more.

TotalEnergies celebrates diversity and is committed to Equal Employment Opportunity.


Activités

Are you ready to play a pivotal role in the world of global trade finance? We are looking for a motivated Trade Finance & Credit Officer to join our dynamic team and oversee financial security instruments for international trading activities.


Your Role & Impact

As part of our global Credit & Trade Finance team, you’ll collaborate with industry-leading professionals and manage financial counterparts across diverse markets. Your expertise will be key in ensuring seamless transactions while mitigating financial risk.


Key Responsibilities

Process letters of credit (LCs) and other financial security instruments essential to trading operations.
Maintain close external relationships with banks and collaborate internally with traders, operators, lawyers, compliance teams, treasury, and financial control.
Monitor daily exposure for LC counterparties and secure upcoming sales through proper collateral, including letters of credit and prepayments.
Ensure compliance with Incoterms 2000 by understanding when title and risk transfer occur.
Assess the feasibility of LCs according to contract terms and standards such as UCP 600/ISP 98, providing constructive feedback to counterparties.
Oversee the issuance and amendment of standby/documentary letters of credit and liaise with banks for discounting arrangements.
Manage quarter-end receivables discounting programs with banks, enhancing working capital and improving financial efficiency.
Support trading teams in developing innovative financing structures for product sales in foreign markets.
Monitor daily exposure for upcoming deals, ensuring all sales exceeding credit limits are properly secured.
Foster strong relationships with traders and operators to stay ahead of evolving deals and minimize financial risk.
Request and review collateral issuance (Standby Letters of Credit, Documentary LCs, prepayments), ensuring compliance with contractual obligations and UCP 600/ISP 98.
Prepare and issue Letters of Credit, coordinating with banks on issuance and discounting arrangements.
Oversee outstanding LCs to guarantee timely invoicing and funds receipt before expiration.
Handle document preparation for documentary letters of credit, ensuring compliance and resolving discrepancies with banking institutions.
Assist in Monthly Domestic Crude Netting, sending net exposure reports for approval and managing discounting operations.
Review and manage payment guarantee agreements, ensuring proper documentation and bank repayments.
Embrace a digital-first approach, testing and implementing new system processes to optimize trade finance operations


What We Offer

A collaborative, global work environment with exposure to leading financial institutions.
The chance to develop creative financing strategies in the fast-paced world of international trade.
Opportunities to work alongside industry experts who shape global trading practices.


Profil du candidat


Education/Experience:

Finance / Accounting degree.
5-10 years’ experience in Trade Finance


Skills

Proficient in Microsoft Excel.
Understanding of UCP 600, ISP 98 and Incoterms 2000.
Proven ability to perform detail-oriented tasks, meet deadlines.
Effective and professional communication skills with customers and all levels of personnel.


Why Join Us?

Work alongside industry experts in a fast-paced global trading environment.
Gain exposure to high-impact financial operations that shape international trade.
Be part of an organization that encourages innovation and strategic financial solutions.

If you’re looking to make a meaningful impact in global trade finance while advancing your career, we want to hear from you!


Informations supplémentaires

TotalEnergies valorise la diversité, promeut le développement individuel et offre des opportunités d'emploi égales à tous les candidats.


About the company: TotalEnergies is a multi-energy company that produces and markets energies on a global scale: oil and biofuels, natural gas and green gases, renewables and electricity. Our 105,000 employees are committed to energy that is ever more affordable, clean, reliable and accessible to as many people as possible. Active in more than 130 countries, TotalEnergies puts sustainable development in all its dimensions at the heart of its projects and operations to contribute to the well-being of people.

TotalEnergies Trading & Shipping (T&S), an international trading company, puts its expertise to use in the global energy markets. With its biomass blending and trading activity, TotalEnergies T&S is an active participant in the development of sustainable biofuels. Our maritime transport expertise also helps to reduce the carbon footprint of sea transportation and we recently announced the time chartering of new vessels equipped with LNG propulsion.

Our Culture: We are committed to meet the energy needs of a growing population while fulfilling our ambition to be a major player in the energy transition. The volatility of the energy trading markets requires excellence in risk management and a culture of innovation.

Our people flourish in an environment that promotes expertise, entrepreneurship spirit, agility and a purpose-driven culture, generating boundless opportunities to learn, grow and achieve collaborative success while ensuring safety in all our operations.

We look for passion, ambition and open-mindedness. While we evolve in a demanding and ever-changing industry, we cultivate a friendly workplace where team spirit and respect guide our daily routine, and where the diversity of our people and their skills create a nourishing experience for all of us.

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