Credit Analyst (Banking/Insurance)

Overview

As Senior Credit Analyst you will own the credit coverage for banks and/or insurance issuers within L&G Asset Management. You’ll deliver rigorous fundamental research, assess ESG and regulatory risks, and form investment views across the capital structure to support fixed income decisions. You will monitor macro, regulatory and industry developments and maintain forward-looking models and stress tests. You’ll communicate your credit views to portfolio managers and committees, contributing to research process improvements and team collaboration.

Pay / Benefits

annual performance-related bonus
valuable share schemes
generous pension contribution
Life assurance
Healthcare Plan
flexible working options

Responsibilities

Own credit coverage for a designated list of banks and/or insurance companies
Conduct in-depth fundamental analysis of business models, finances, capital adequacy, liquidity, asset quality and management strategy
Monitor regulatory, macroeconomic and industry developments and assess their impact on issuer creditworthiness
Maintain financial models, forecasts and stress-testing frameworks for forward-looking credit analysis
Identify and track investment opportunities across issuers, sectors and the capital structure
Produce research notes, credit opinions and investment recommendations for portfolio managers and stakeholders
Present credit views and sector insights to portfolio managers and investment committees
Support Global Research and Engagement Group (GREG) outputs and address ad hoc credit requests and process improvements

Key requirements

Credit research experience in banks and/or insurance companies
Buy-side, sell-side or credit rating agency background; buy-side portfolio-facing experience preferred
Strong understanding of Financial Institutions, regulation, capital structures and key credits
Advanced financial modelling and analytical skills
Ability to develop independent credit views and explain them clearly
Strong awareness of financial markets and macroeconomic trends
Excellent written and verbal communication
Proactive, curious and collaborative mindset with strong attention to detail