Credit Risk Analyst

Overview

MSIG USA is the US‑based subsidiary of MS&AD Insurance Group Holdings, Inc., a global Class 15 insurer with A+ ratings covering 40+ countries. The Credit Risk Analyst supports the Political Risk and Trade Credit Underwriting team by performing thorough financial, credit, and country risk assessments of counter parties, sectors, and sovereigns. The role focuses on high‑quality, data‑driven analysis to enable informed underwriting decisions and effective portfolio management.

• Perform detailed financial statement analysis of corporate buyers, banks, and sovereign entities.
• Develop credit profiles and internal ratings to support underwriting decisions.
• Maintain financial models and provide forward‑looking assessments of credit risk.

• Monitor geopolitical and macroeconomic developments affecting trade credit and political risk exposures.
• Assess sovereign and country risk, including transfer risk, expropriation, and political instability.
• Contribute to country risk ratings and exposure management strategies.

• Provide objective credit and political risk analysis to underwriters for new submissions and renewals.
• Draft concise credit memoranda summarizing key risks and recommendations for internal review.
• Support structuring and pricing by supplying risk analysis aligned with underwriting guidelines.

• Track counter party and country exposures across the portfolio.
• Monitor and elevate adverse credit or political developments that may impact insured risks.
• Assist in portfolio stress testing, scenario analysis, and concentration management.

• Work closely with underwriters, actuaries, claims, and other internal teams to support disciplined risk evaluation.
• Contribute to refining risk assessment methodologies, models, and underwriting tools.
• Prepare internal reports and presentations for risk committees and senior management.

• Bachelor’s degree in Finance, Economics, Accounting, International Relations, or a related field; advanced degree or CFA designation preferred.
• 3+ years of experience in credit analysis, banking, trade finance, ratings agency, or insurance.
• Strong financial statement analysis and credit modeling skills.
• Knowledge of political and country risk factors impacting international trade and investment.
• High attention to detail and strong problem‑solving ability.
• Proficiency in Excel, financial modeling, and credit research databases (e.g., Capital IQ, Moody’s, Fitch).
• Strong written and verbal communication skills for internal reporting and presentations.
• Ability to prioritize tasks and meet deadlines in a dynamic underwriting environment.

It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law.

In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.