Credit Analyst Talbot

Overview

Talbot, part of AIG, operates within the Lloyd's Insurance Market through Syndicate 1183, 2019, 2478 and 2479. The Credit Analyst role sits in the Credit Risk Insurance team, assessing the creditworthiness of a diverse range of counter parties across developed and emerging markets.

The successful candidate will play a central role in credit assessment, portfolio quality, risk governance, and commercial growth, working at the intersection of credit analysis and underwriting.

• 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 a wide range of sectors and geographies, with particular focus on emerging market obligors in MENA, Sub‑Saharan Africa, and Asia.
• Prepare concise, high‑quality credit assessments to support underwriting decisions, including risk appetite alignment and limit recommendations.
• Liaise with AIG counterparts to formulate group credit appetite and strategy.
• Assist CCO with preparation of quarterly and annual credit reviews with group credit function.
• Keep abreast of macroeconomic and region/sector specific trends and identify resultant risks and opportunities.

• Assign internal credit ratings to new counter parties using the team’s proprietary rating methodology, benchmarking against external agency frameworks where relevant.
• Maintain rating consistency and rigour across the portfolio, documenting rating rationale clearly and in accordance with internal standards.
• Review and update ratings periodically or in response to material credit events.

• Proactively monitor the existing portfolio for emerging credit deterioration, early warning signals, and sector‑level stress indicators.

• Maintain and update the exposure management system to ensure limit utilisation, counter party data, and risk classifications are current and accurate.
• Work closely 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 at least one of the following: banking, insurance, private credit, rating agencies.
• Degree in Economics, Finance, Accounting, or a closely related discipline.
• Proven ability to analyse and assess the creditworthiness of corporate, financial institution, and sovereign counter parties.
• Excellent analytical thinking and financial modelling skills, with meticulous attention to detail and the ability to synthesise complex information into clear, actionable recommendations.
• Strong organisational skills and the ability to manage a varied workload, prioritise effectively, and meet deadlines without compromising quality.
• Collaborative working style with the ability to communicate credit views confidently to underwriters, senior management, and other stakeholders.
• Demonstrated capacity to work proactively, adapt to evolving risk environments, and exercise sound judgement under uncertainty.
• Advantageous
  
  Experience:
  
  Experience in real estate financing or project finance, including an understanding of cash flow modelling, asset security, and structured credit risk.

• Comprehensive Total Rewards Program focusing on health, wellbeing, financial security, and professional development.

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.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to