Credit Analyst, Credit Research
About The Position
The Credit Analyst, Credit Research is responsible for proactively monitoring specific sectors (Paper and Packaging, Metals and Mining, and Midstream) and making recommendations for portfolios supporting global insurance products. This role involves in-depth market research, financial analysis, and identifying new investment opportunities. The analyst will also play a key role in assessing and implementing AI needs within Global Investments, collaborating with various departments to evaluate, design, and deploy AI tools. This includes conducting operational reviews, tests, risk assessments, and cost-benefit analyses, as well as leading the design and validation of proof-of-concepts and translating pilots into scaled deployments.
Requirements
- Master's in Finance, Business Analytics, Data Science, Statistics, or similar quantitative discipline.
- Demonstrated proficiency with developed quantitative models and multi-variant assumptions.
- Demonstrated proficiency with running regression models and stress testing of portfolio holdings, along with various scenario-based events.
- Demonstrated proficiency with applying knowledge of bond calculations, asset liability management, capital calls, and underwriting of bonds.
- Demonstrated proficiency with understanding financials, risk assessments, while qualifying macro-economic scenario events such as duration, convexity, inflation, floating vs fixed rate with limited and broad time series models to assess appropriate allocation.
- Demonstrated proficiency with automating the switch trade model using Python and VBA, resulting in reduced time spent on model running and improved efficiency.
- Demonstrated proficiency with assessing risk associated with lending to companies by considering various factors such as economic conditions, industry trends, commodity prices, and company-specific factors.
- Utilizing tools and techniques including: Financial Modeling, Python programming, Quant modeling, VBA Automation, Advanced Excel modeling, Bloomberg API functions, Power BI, Microsoft Copilot, Prompt Engineering.
Responsibilities
- Proactively monitor Paper and Packaging, Metals and Mining, and Midstream sectors and make recommendations for portfolios supporting global insurance products.
- Conduct in-depth market research across assigned sectors to support investment recommendations, including key trends, competitive landscape, company financial reports, earnings, and news releases.
- Analyze relative value within and across industry sectors for various investment portfolios.
- Monitor, gather, and organize information critical to the credit investment decision process.
- Calculate key credit metrics, particularly liquidity, leverage, and cash flow ratios.
- Identify potential new investments for the portfolios.
- Prepare oral and written analyses and summaries for key stakeholders.
- Apply detailed understanding of each bond's position in the capital structure.
- Maintain relationships with sell-side analysts, rating agencies, and company management.
- Update and manage relevant internal and external sources of data.
- Conduct ad hoc projects, analyses, and other support as required.
- Assess Global Investment's AI needs by collaborating with Aflac Digital Services, Global Security, Compliance, Data, and IT.
- Explore new business-specific tools through industry conferences, peer studies, and vendor relations.
- Evaluate the feasibility and business impact of AI tools, conducting operational reviews, tests, risk assessments, and cost & benefit analysis.
- Lead the design and validation of proof-of-concepts for AI tools.
- Translate pilots into scaled deployment by coordinating project leads, technical staff, and business stakeholders.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
