Lead Credit Analyst

Base pay range: $83,000 – $157,000 per year.

Liberty Mutual Insurance provided pay range:
Your actual pay will be based on your skills and experience – talk with your recruiter to learn more.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline‑focused environment with minimal guidance. Uses expertise to evaluate both private and public entities, reviews complex transactions, and writes well‑structured analyses that reflect a comprehensive understanding of credit risk and its relationship to recommended collateral products and unsecured exposure. Collaborates with underwriters and management to determine appropriate collateral amounts and structures for insured programs, facilitates approval of exceptions when needed, and communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail.

Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effectively as possible. Demonstrates strong verbal and written communication skills, leads development and facilitation of training, travels to support underwriting at broker and client meetings as required.

• Accurately analyzes financial statements and related filings for a diverse and complex group of policyholders and prospective customers, including assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options.
• Collaborates with underwriters and management to determine appropriate collateral amounts and structures for insured programs and facilitates approval of exceptions when needed.
• Understands and interprets financial statements of varying quality, including internally company prepared statements up to those prepared in accordance with GAAP or IFRS, and comprehends organizational structures, investment and debt has on creditworthiness.
• Regularly accesses and utilizes informational resources such as First Research, rating agencies and other sources to identify trends and gauge performance relative to peers and industry.
• Drives production of complex management reports and associated results analysis, identifying business drivers and communicating them effectively.
• Continually assesses business value and efficiency of work performed, identifies problems and opportunities, drives implementation and monitors results.
• Initiates and leads complex department projects and continuous improvement activities, working cross‑functionally with other departments.
• Supports development of team members through best practices, peer reviews and training of less experienced analysts.
• Must live within 50 miles of a GRS hub office and be able to come into the office two days per week.

• Bachelor’s degree in Finance or Accounting required.
• CPA or advanced degree in Accounting, Finance or Business preferred.
• Minimum of 5 years of finance experience; credit analysis and financial statement analysis preferred.
• Attention to detail in a fast‑paced work environment and ability to manage and prioritize multiple accounts and projects simultaneously to drive results.
• Excellent communication skills within team and across organizational boundaries to ensure successful completion of shared goals.
• Comfortable leading meetings and communicating issues and trends to senior management and other groups at the appropriate level of detail.
• Solid understanding of Finance Tools and Analytical Methods.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups.

Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran’s status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

• California
• Los Angeles Incorporated
• Los Angeles Unincorporated
• Philadelphia
• San Francisco