The Senior Credit Analyst will be responsible for the independent credit rating analysis and assignment for both direct and bilateral transactions. The Senior Credit Analyst will assume primary responsibility of Infrastructure and Project Finance and will be expected to analyze credits across a number of different sectors. The successful candidate will also be expected to participate actively in both Credit and Investment Committees.

Through the objectivity and reliability of their analysis the Senior Credit Analyst will support the origination teams in their structuring and closing of transactions which will in turn present a risk / reward balance for LGIM’s customers. The implementation of the internal process and the public rating criteria ensure the Senior Credit Analyst’s independence as well as a robust and consistent internal rating. The Senior Credit Analyst will be expected to contribute to internal rating methodologies

New Credit Ratings Assessment (ca. 35%)
• Maintain an... effective working relationship with originating teams throughout the assessment process
• In collaboration with the origination team gather and process information on proposed transactions, including the review of counterparties and transaction financials, transaction structure, legal documentation, operating plans, industry analysis, due-diligence reports, meetings with management, meetings with consultants and through drawing on internal experts
• Provide initial summary and informal feedback to the origination team, indicating a range of likely rating outcomes and the key creditworthiness drivers for the transaction
• Provide clear guidance to the origination team to enhance the credit protections offered by the transaction to help optimize the transaction structure and documentation in order to achieve the best possible transaction for LGIM’s customers at the intended level of rating
• Based on relevant criteria and a comparison with both internally and externally rated transactions form an independent opinion on the final credit worthiness of transactions and recommend a credit rating to Credit Committee as well as contribute to Credit Committee debates and decisions

Credit Ratings Review / Portfolio Monitoring (ca. 35%)
• Work with origination teams to ensure information flow and on-going monitoring of the counterparties/loan portfolio
• Complete the annual review cycle of credit worthiness and internal ratings on assigned portfolio
• Consider ad hoc requests such as amendments or waivers requests as required
• Conduct ad-hoc reviews in response to asset performance, market movements/noise or security valuations
• Assist with the review and recovery strategy formulation for any transactions that become vulnerable and/or defaults

Rating Methodology / Processes / Other (ca. 20%)
• Contribute proactively to LGIM’s internal rating procedures through suggestions of improvements or best practice
• Ensure comparability of internal and external ratings approach through update of internal criteria in response to external evolution
• Develop and improve support and control methodologies, templates and working tools
• Provide guidance to more junior staff or staff with less sector expertise
• Assist with any internal or external ad hoc client requirement for information or reviews

Data Management / Programming (ca. 10%)
• Progress the team’s digitalization journey
• Enable and expand the use of new technology (such as advanced Excel macros, Python and data visualisation)
• Identifying, designing and implementing internal process improvement
• Financial and credit analysis experience in project finance and/or infrastructure debt
• Rating agency experience is preferable
• Ability to grasp trends both at a macro and micro level, and to appreciate the interaction between both levels
• Experience of attending due diligence processes/management meetings with counterparty company management
• Transaction experience would be an advantage
• Strong Microsoft Excel skills
• Articulate with the ability to communicate concisely and clearly in both speaking and written mediums
• Lateral thinker; rigorous, yet creative
• Team player
• Keen eye for detail and a professional approach to all tasks
• Strong drive to improve and optimize processes

When you commit to Legal & General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution.

If you join us, you’ll get access to some great benefits, including private medical insurance, 27 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection. You'll receive a car allowance of 12% of your annual salary, and you can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice. We’re also proud to offer competitive family leave.

You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes. And then there are the many discounts we offer that you can take advantage of - both for our own products and at a range of high street stores and online offerings.

The brand with the brolly is choosing today to change tomorrow.

Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands.

We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet.

We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.

At L&G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.

Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&G. Will you join us?

The world of investment is changing. Our vision at Legal & General Investment Management is to create a better, more sustainable future through responsible investing. We work in partnership with our clients around the globe to deliver positive long-term outcomes, while rising to the challenges of a rapidly changing world. Our clients include institutional pension funds, financial institutions, local authorities and sovereign wealth funds. To meet our clients’ complex and evolving investment needs, our investment strategies cover a broad array of asset classes and styles, including equities, bonds, property and alternatives, as well as multi-asset funds. We’re focused on continuously innovating our investment products, maintaining our reputation as experts across all asset classes, and striving to build a more responsible and sustainable future.

Great minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.

We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status. In fact, we embrace every dimension of diversity to reflect the customers and communities we serve.

We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.

We all work differently, and have different needs, which is why. we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.

So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

If this opportunity excites you but you’re not sure you meet all the requirements, or you’d like to know a bit more, please contact Lauren Ashworth at [email protected] (LinkedIn profile https://www.linkedin.com/in/lauren-a-534a8538/).

If you’d like to be considered for this role, please submit your application through our careers website as we’re not accepting email applications
London UK

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