Lead Credit Analyst

Liberty Mutual Insurance•Boston, MA

2d•Hybrid

About The Position

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required.

Requirements

Bachelor`s degree (Finance or Accounting) required
Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred.
Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results
Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals
Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail
Solid understanding of Finance Tools and Analytical Methods

Nice To Haves

CPA or advanced degree in Accounting, Finance, or Business preferred

Responsibilities

Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers.
Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options.
Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs.
Facilitate the approval of exception when needed.
Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS.
Understands various organizational structures, investment and debt has on the creditworthiness of subject companies.
Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry.
Thorough understanding of insurance products, collateral types and associated credit risk.
Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively.
Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results.
Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments.
Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts.