Description:
At AIG and Talbot, we are reimagining the way we help customers to manage risk. Join us as a Credit Analyst to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team
Make your mark in Talbot
Talbot operates within the Lloyd's Insurance Market through Syndicate 1183, Syndicate 2019, Syndicate 2478 and Syndicate 2479.
Part of AIG since 2018, Talbot is committed to working with brokers and clients to deliver industry leading solutions. It is headquartered in London with offices in New York and Singapore with more than 350 employees.
With an expert team of highly skilled and experienced underwriters and a balanced, geographically diverse portfolio of business, Talbot has earned a reputation as an industry leading insurance and reinsurance specialist.
Talbot writes a diversified portfolio including Crisis Management, Energy, Financial Lines, Marine, Political Risk, Property, Transport and Terrorism. Drawing on our deep industry expertise, Talbot develops tailored insurance solutions that address clients' evolving and often unique needs.
How You Will Create An Impact
We are seeking a Credit Analyst to join our Credit Risk Insurance team. The successful candidate will play a central role in assessing the creditworthiness of a diverse range of counterparties — spanning corporate obligors, financial institutions, and sovereign entities across developed and emerging markets. Working at the intersection of credit analysis and insurance underwriting, you will contribute directly to portfolio quality, risk governance, and commercial growth.
This is a high-visibility role suited to an analytically rigorous professional who thrives in a fast-moving environment, is comfortable navigating macroeconomic complexity, and has the confidence to form and defend independent credit views.
Responsibilities
Credit Analysis & Underwriting Support
- Conduct in-depth credit analysis of corporate, banking, and government counterparties, 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 regions such as 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.
Internal Rating Assignment
- Assign internal credit ratings to new counterparties 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 on a periodic basis or in response to material credit events.
Portfolio Monitoring & Risk Management
- Proactively monitor the existing portfolio for emerging credit deterioration, early warning signals, and sector-level stress indicators.
Exposure System & Data Integrity
- Maintain and update the exposure management system to ensure that limit utilisation, counterparty data, and risk classifications are current and accurate at all times.
- Work closely with operations, underwriting, and technology teams to improve data quality and system functionality.
What You’ll Need To Succeed
- 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 counterparties.
- 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.