Advisor, Credit - Commercial

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 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.

 

What You’ll Bring — Required

• 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

 

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

 

Compensation Range 

This position has a base salary range of $93,600 - $114,400.

 

At Phillips 66, we are committed to pay transparency and competitive, equitable compensation. Each role is assigned a salary grade with a defined pay range, benchmarked against industry peers. Where a candidate offer falls within the posted range depends on the candidate's experience, skills, and alignment with the role’s requirements. Offers are made to ensure internal equity and market competitiveness. Our compensation programs are designed to reward performance and support career growth.

 

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:

 

• 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

 

Learn more about Phillips 66 Total Rewards.

 

Phillips 66 has more than 140 years of experience in providing the energy that enables people to dream bigger and go farther, faster. We are committed to improving lives, and that is our promise to our employees and our communities. We are sustaine