Credit Analyst

The Credit Analyst is responsible for the independent credit risk analysis and internal ratings assignment for both direct and bilateral transactions. The Credit Analyst will assume primary responsibility of one or more sectors and will be expected to analyse credits across a number of different sectors including housing associations, not-for-profits, universities, corporates. The Credit Analyst will also be expected to participate actively in both Credit and Investment Committees.

Through the objectivity and reliability of their analysis the Credit Analyst will support the origination teams in their structuring and closing of transactions which will in turn present a risk / reward balance for LGIM's customers. The implementation of the internal process and the public criteria ensure the Credit Analyst's independence as well as a robust and consistent internal rating. The Credit Analyst will be expected to contribute to internal rating methodologies.

What you'll be doing

Provide timely and independent analysis of the credit risk for both new and existing transactions. This includes

• New Credit Risk Assessments - maintaining an effective working relationship with originating teams throughout the assessment process
• Credit Risk Review / Portfolio monitoring - working with origination teams to ensure information flow and on-going monitoring of the loan portfolio
• Data Management / Programming - progressing the team's digitisation journey
• Rating Methodology / Process - contributing proactively to LGIM's internal rating procedures through suggestions of improvements or best practice

What we're looking for

• Financial and credit analysis experience in at least one of the following sectors: housing associations, not-for-profits, universities, corporates
• Ability to grasp trends both at a macro and micro level, and to appreciate the interaction between both levels
• Experience of attending due diligence processes/management meetings with counterparty company management
• Strong Microsoft Excel skills, some programming experience in Python / SQL desirable
• Articulate with the ability to communicate concisely and clearly in both speaking and written mediums
• Lateral thinker; rigorous, yet creative
• Team player
• Keen eye for detail and a professional approach to all tasks