Credit Analyst, - Talbot in London

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.

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, 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.

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

• 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.
• 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.
• Proactively monitor the existing portfolio for emerging credit deterioration, early warning signals, and sector-level stress indicators.
• 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.

Enjoy Benefits That Take Care Of What Matters

At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

Welcome to a culture of inclusion

We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honoured that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.