Assistant Credit Analyst
Assistant Credit Analyst
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Job Description
We are seeking a skilled Credit Analyst to join our dynamic team providing critical risk analysis and research for underwriters in the London Trade Credit and Wholesale Specialty Credit teams. This role is pivotal in assessing and monitoring risks primarily concentrated in the EMEA region directly influencing our risk appetite Gross Written Premium (GWP) overall financial performance and capital allocations determined by the modelling teams.
The successful candidate will be responsible for delivering precise risk ratings making policy and aggregate limit recommendations and ensuring the integrity of our risk data repository.
Key Responsibilities:
- Risk Rating Provisioning:Deliver comprehensive and accurate risk ratings that guide underwriting decisions and influence the overall risk strategy.
- Limit Recommendations:Formulate internal limit and aggregate maximum limit recommendations based on thorough assessments of credit risks.
- Data Integrity Maintenance:Ensure the accuracy and completeness of all relevant limit records and maintain essential databases related to risk evaluation.
- Financial Risk Analysis:Conduct detailed financial analyses on corporate entities across various jurisdictions considering diverse accounting standards to assess risk exposure.
- Cashflow Modelling:Develop cashflow models and projections to evaluate companies operational resilience stresstesting their performance and balance sheet structures under various scenarios.
- Macroeconomic Impact Assessment:Analyze the repercussions of macroeconomic trends on a wide array of industries and companies providing insights that inform strategic decisions.
Qualifications
Knowledge and Experience:
- Demonstrated expertise in interpreting and analyzing financial documents including profit and loss statements cash flow reports and balance sheets.
- Ability to navigate accounting notes effectively understanding offbalance sheet liabilities and legal contingencies.
- Wellversed in assessing companyspecific risk factors including management effectiveness strategic initiatives financing arrangements supply chain vulnerabilities competitive landscape and potential market substitutes.
- Familiarity with capital market instruments such as bonds equities and credit default swaps (CDS) as well as an understanding of interest rate and foreign exchange (FX) dynamics.
- Exceptional written and verbal communication skills with the ability to present complex information clearly and concisely.
- Proficient in advanced Microsoft Excel functionalities enabling effective data analysis and modeling.
- A degree is preferred in Economics Finance Accounting or a related field. Candidates with relevant professional experience (minimum of 2 years) and equivalent qualifications will also be considered.
Required Experience:
IC
Employment Type
Full-Time
