Senior Credit Officer in London

At AIG, we are reimagining the way we help customers manage risk. Join us as a Senior Credit Officer to play your part in that transformation and grow your skills and experience as a valued member of the team.

AIG General Insurance is a leading provider of insurance products and services focused on managing risk for commercial and personal customers through a diversified, multi‑channel distribution network.

• Credit Analysis
  • Perform credit reviews and ORR (grade) recommendations for large buyer portfolio (concentration names with gross exposure of $5MM or greater).
  • Establish aggregate limits within Trade Credit appetite framework to support underwriting production targets.
  • Perform credit reviews and ORR recommendations for Higher Risk and Watchlist Buyers of $10MM or greater (ORR 6 and worse names).
  • Respond to UW ad‑hoc requests for credit limit review/approvals related to specific renewals and/or new business opportunities in a time efficient manner.
  • Present risk assessment part of existing and prospect large transactions to Regional Credit Committee, Global Credit Committee where individual buyer limits and aggregate buyer limits trigger agreed thresholds.
  • Assist and guide Underwriters with new or renewal buyer portfolios as it pertains to buyer risk, policy structure and mitigation parameters.
  • Initiate and/or participate in buyer calls and/or visits as needed to ascertain applicable risk profile and appropriate risk appetite.
• Compliance Monitoring
  • Ensure ORR coverage for all Buyer names with gross exposure of $5MM or greater.
  • Ensure all Policyholders have been assigned an ORR rating.
  • Ensure ORR aging is within AIG Credit Policy Guidelines.
  • Ensure aggregate limits are in place and in date for all names with gross exposure of $5MM or greater.
  • Ensure all approvals are recorded and related supporting materials saved to TradEnable System (TES).
• Reporting / Portfolio Management
  • Prepare monthly overdue exposure reports in China book as required.
  • Update responsible Global Watch List and Focus List names with recommended underwriting strategies.
  • Respond to ad‑hoc exposure inquiries from Trade Credit or ERM.
• Credit Management Reviews
  • Assist underwriters in conducting credit management reviews for rating the credit management strength of new business or renewal policyholders.
• Sector Reviews
  • Undertake sector reviews on a periodic basis as is deemed necessary by the Chief Credit Officer or Regional Head of Credit.
• Training and Processes
  • Assist to enhance trade credit risk management practices.
  • Prepare and deliver training local and global colleagues (including India Shared Service team) on credit and transaction analysis.

• Demonstrated credit risk analysis experience focusing on the Chinese corporate sector at international banks or credit rating agencies.
• Experience of using different market leading credit risk management portfolio techniques and tools.
• Understanding of trade credit policies and their respective credit risk drivers and mitigators.
• Working knowledge of trade and export products (receivables, confirmed payables, supply chain finance, guarantees, letters of credit, trade loans etc.) from a credit risk analysis perspective.
• Strong communication skills, written and oral, presentations.
• Organizational skills and project management.
• Ability to manage time pressure, deadlines and competing tasks/priorities.
• Ability to handle a varied workload in a diverse and growing portfolio.
• Proven decision‑making skills.
• Interpersonal skills - team player with internal and external stakeholders/clients.
• Languages helpful, ability to engage with diverse, global teams.
• Willingness to travel regionally is desirable.
• Business acumen.
• Ability to work in a changing environment.
• Expertise in Excel, PowerPoint, Word, basic transactional modelling and forecasting.
• Competent in IT packages and institutional systems.
• Knowledge of different risk and portfolio management packages are desirable.

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.

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. AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities.