Credit Analyst Talbot

Credit Analyst – Credit Risk Insurance Team

Join our Credit Risk Insurance team as a Credit Analyst. In this role you will assess the creditworthiness of a diverse range of counter parties, support underwriting decisions, and help maintain portfolio quality and risk governance.

• Conduct in-depth credit analysis of corporate, banking, and government counter parties, including detailed review of financial statements, capital structure, liquidity, and debt‑service capacity.
• Assess creditworthiness across sectors and regions, with a focus on emerging markets such as MENA, Sub‑Saharan Africa, and Asia.
• Prepare concise, high‑quality credit assessments to support underwriting decisions, risk appetite alignment, and limit recommendations.
• Liaise with AIG counterparts to formulate group credit appetite and strategy.
• Assist the CCO with quarterly and annual credit reviews with the group credit function.
• Maintain awareness of macroeconomic and region/sector trends and identify resulting risks and opportunities.
• Assign internal credit ratings to new counter parties using the proprietary rating methodology, benchmark against external agency frameworks, and maintain rating consistency.
• Proactively monitor the existing portfolio for credit deterioration, early warning signals, and sector‑level stress indicators.
• Maintain and update the exposure management system, ensuring that limit utilisation, counter party data, and risk classifications are current and accurate.
• Collaborate with operations, underwriting, and technology teams to improve data quality and system functionality.

• 5–10 years of substantive experience in credit analysis with exposure to banking, insurance, private credit, or rating agencies.
• Degree in Economics, Finance, Accounting, or a closely related discipline.
• Proven ability to analyze and assess the creditworthiness of corporate, financial institution, and sovereign counter parties.
• Excellent analytical thinking and financial modelling skills with meticulous attention to detail.
• Strong organisational skills, ability to manage a varied workload, prioritise effectively, and meet deadlines.
• Collaborative working style and confidence in communicating credit views to underwriters, senior management, and other stakeholders.
• Demonstrated capacity to work proactively, adapt to evolving risk environments, and exercise sound judgement under uncertainty.

• Experience in real estate financing or project finance, including understanding of cash flow modelling, asset security, and structured credit risk.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

We are committed to providing reasonable accommodations to job applicants and employees with disabilities. If you need an accommodation, please email