At AIG, we are reimagining the way we help customers to manage risk. Join us a Political Risk Credit Officer to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team.
Make your mark in Trade Credit Lines & the Political Risk Group
AIG’s Credit Lines businesses (Trade Credit, Trade Finance, and Political Risk) help Corporates (medium and large companies), from a wide variety of industry sectors and Financial Institutions, navigate the complexities of local and global business practices by offering non-payment credit insurance solutions. The Political Risk Group within Credit Lines is responsible for underwriting short, medium- and long-term non-payment credit insurance transactions referencing sovereigns, state-owned companies, private corporations, banks, non-bank finance companies, and project finance transactions.
How you will create an impact
We are looking for a motivated and detail-oriented Credit Officer to join our Credit Risk Team in London. This position is suited for professionals with a solid grounding in corporate credit analysis and financial assessment You will contribute to evaluating borrower risks, supporting underwriting decisions, and helping maintain a high-quality credit portfolio.
Responsibilities:
Credit Analysis
Perform annual regular credit reviews and credit rating recommendations for Structured Corporate Credit and Project Finance obligors within the PRG UK portfolio
Provide credit analysis across transactions of various credit products and contribute towards deal memos regarding Credit Risk.
Establish limits on appetite as per obligor group to support specific transactions and provide general capacity
Execute approvals based on own authority to be delegated or present review results to internal authority holders.
Respond to Underwriter ad-hoc requests for credit appetite
Perform obligor visits/calls as needed and participate on market presentations for Investors/Analysts.
Participate on internal presentations of transactions covering Credit R isk of obligor.
Portfolio Management
Ensure internal credit ratings are appropriate coverage for Obligors names in the assigned portfolio s .
Ensure internal credit rating aging is within Credit Lines and AIG Credit Policy Guidelines.
Ensure max exposure limits are in place and in date for all obligor groups assigned to the managed portfolio s .
Ensure all approvals and related supporting materials are documented and saved within the appropriate credit management systems.
Respond to ad-hoc exposure inquiries from Credit Lines or Enterprise Risk M anagement.
Team Collaboration
Collaboration with the Heads of the Credit Lines business to support achievement of Credit Lines business objectives.
Collaboration with Political Risk Group Underwriters regarding PRG UK Portfolio obligors to obtain information required for the assessment
Collaboration with Political Risk Group Underwriters regarding Credit Transactions
Collaboration with the Trade Credit Credit Officers regarding overlaps in exposure.
What you’ll need to succeed
Minimum 10 years’ credit risk and transaction analysis experience developed within a leading bank, trade credit or equivalent organisation.
Experience of using different market leading credit risk analysis techniques and tools
Understanding of Credit Lines products and their respective credit risk drivers and mitigants
Strong communication skills, written and oral, presentations
Organisational skills and project management
Ability to manage time pressure, deadlines and competing tasks/ prioritise on behalf of the credit officer team
Ability to handle a varied workload in a diverse and growing portfolio.
Interpersonal skills - team player with internal and external stakeholders/ clients
Multiple Languages helpful, ability to engage with diverse, global teams
Willingness to travel regionally is desirable
Business acumen
Ability to work in a changing environment
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