Senior Credit Officer, Political Risk Group
About this role
At AIG, we are reimagining the way we help customers to manage risk. Join us a
Political Risk
Credit Officer 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
Trade
Credit Lines & the Political Risk Group
AIG’s Credit Lines
businesses
(Trade Credit, Trade Finance, and Political Risk) help Corporates (medium and large companies), from a wide variety of industry sectors and Financial Institutions, navigate the complexities of local and global business practices by offering non-payment credit insurance solutions.
The Political Risk Group within Credit Lines is responsible for underwriting short, medium- and long-term non-payment credit insurance transactions referencing sovereigns, state-owned companies, private corporations, banks, non-bank finance companies, and project finance transactions.
How you will create an impact
We are looking for a motivated and detail-oriented Credit Officer to join our Credit Risk Team in London. This position is suited for professionals with a solid grounding in
corporate
credit analysis and financial assessment You will contribute to evaluating
borrower
risks, supporting underwriting decisions, and helping maintain a high-quality credit portfolio.
Responsibilities
- Credit Analysis
- Perform
- annual
- regular
- credit reviews and
- credit rating
- recommendations for
- Structured
- Corporate
- Credit and Project Finance obligors within the PRG UK portfolio
- Provide credit analysis across transactions of various
- credit
- products and contribute towards deal memos regarding Credit Risk.
- Establish limits on appetite as per obligor group to support specific transactions and provide general capacity
- Execute approvals based on own authority to be delegated or present review results to internal authority holders.
- Respond to
- Underwriter
- ad-hoc requests for credit appetite
- Perform obligor visits/calls as needed and participate on market presentations for Investors/Analysts.
- Participate on internal presentations of transactions covering Credit
- R
- isk of obligor.
- Portfolio Management
- Ensure
- internal credit ratings
- are appropriate
- coverage
- for
- Obligors
- names in the assigned portfolio
- s
- .
- Ensure
- internal credit rating
- aging is within Credit Lines and AIG Credit Policy Guidelines.
- Ensure max exposure limits are in place and in date for all obligor groups assigned to the managed portfolio
- s
- .
- Ensure all approvals and related supporting materials are documented and saved within the appropriate credit management systems.
- Respond to ad-hoc exposure inquiries from Credit Lines or Enterprise Risk
- M
- anagement.
- Team Collaboration
- Collaboration with the Heads of the Credit Lines business to support achievement of Credit Lines business objectives.
- Collaboration with
- Political Risk Group
- Underwriters regarding PRG UK Portfolio obligors to obtain information required for the assessment
- Collaboration with
- Political Risk Group
- Underwriters regarding
- Credit
- Transactions
- Collaboration with the Trade Credit Credit Officers regarding overlaps in exposure.
- What you’ll need to succeed
- Minimum 10 years’ credit risk and transaction analysis experience developed within a leading bank, trade credit or equivalent organisation.
- Experience of using different market leading credit risk analysis techniques and tools
- Understanding of Credit Lines products and their respective credit risk drivers and mitigants
- Strong communication skills, written and oral, presentations
- Organisational skills and project management
- Ability to manage time pressure, deadlines and competing tasks/ prioritise on behalf of the credit officer team
- Ability to handle a varied workload in a diverse and growing portfolio.
- Interpersonal skills - team player with internal and external stakeholders/ clients
- Multiple Languages helpful, ability to engage with diverse, global teams
- Willingness to travel regionally is desirable
- Business acumen
- Ability to work in a changing environment