Senior Fixed Income Credit Analyst

Description

Senior Fixed Income Credit Analyst

Investment Department
50 Amica Way. Lincoln, RI 02865

Thank you for considering Amica as part of your career journey, where your future is our business
.

At Amica, we strive to build a culture of belonging where employees are encouraged to share their unique experience to enrich our workplace, strengthen our company’s mission and broaden our vision of what’s possible. We’re focused on creating a workplace that works for all. We’ll continue to provide training, guidance, and resources to make Amica a true place of belonging for all employees.

Want to learn more about our commitment to diversity, equity, and inclusion? Visit our DEI page to read about it!

As a mutual company, our people are our priority. We seek differences of opinion, life experience and perspective to represent the diversity of our policyholders and achieve the best possible outcomes. Our office located in Lincoln, RI is seeking a Senior Fixed Income Credit Analyst to join the team!

The Senior Fixed Income Credit Analyst is responsible for evaluating, monitoring, and making recommendations on fixed income investments within the insurance company’s general account portfolio. This role plays a critical part in ensuring the company achieves its investment objectives of preserving capital, generating stable returns, and maintaining compliance with regulatory and rating agency requirements.

• Conduct in-depth fundamental credit analysis on public and private investment‑grade, fixed income issuers and securities.
• Evaluate financial statements, management quality, business models, rating actions, and industry trends to develop forward‑looking credit opinions.
• Monitor macroeconomic trends and interest rate movements to further inform investment decisions.
• Identify relative value opportunities across sectors and capital structures.
• Ensure credit decisions align with the company’s risk tolerance, asset‑liability management (ALM) needs, and insurance regulatory guidelines (including NAIC designations and RBC considerations).
• Develop and present buy/hold/sell recommendations to portfolio managers and contribute to sector outlooks and investment strategy discussions.
• Execute and monitor trades in accordance with portfolio strategy, compliance guidelines, and market conditions.
• Monitor existing holdings for changes in creditworthiness, covenant compliance, and potential rating actions.
• Work closely within risk management models to ensure adherence to exposure concentrations outlined in Amica’s Investment Policy Statement.
• Serve as a subject matter expert and contribute to the continuous improvement of the credit research process.

The 37.5‑hour work week is scheduled from Monday through Friday, between the core hours of 8:00 AM and 5:00 PM. A hybrid schedule will be available once trained to work independently, with three days reporting to our Lincoln, RI office and two days working from home.

This role does not currently offer employment visa sponsorship.

• Medical, dental, vision coverage, short‑ and long‑term disability, and life insurance
• Paid Vacation – you will receive at least 13 vacation days in the first 12 months, amounts could be greater depending on the role. While able to use prior to accrual, vacation time will accrue monthly
• Holidays – 14 paid holidays observed
• Sick time – 6 days sick time at hire, 6 additional days sick time at 90 days of employment
• Generous 401k with company match and immediate vesting. Additionally, annual 3% non‑elective employer contribution
• Annual Success Sharing Plan – Paid to eligible employees if company meets or exceeds combined ratio, growth and/or service goals
• Generous leave programs, including paid parental bonding leave
• Student Loan Repayment and Tuition Reimbursement programs
• Generous fitness and wellness reimbursement
• Employee community involvement
• Strong relationships, lifelong friendships
• Opportunities for advancement in a successful and growing company

• Education:
  
  Bachelor’s degree in Finance, Economics, Accounting, or related field (MBA or CFA designation strongly preferred).
• Experience:
  
  7–10+ years of credit research…