At a Glance
- Tasks: Conduct credit reviews and manage risk for large buyer portfolios.
- Company: Join AIG, a leader in innovative risk management solutions.
- Benefits: Competitive salary, diverse work environment, and opportunities for growth.
- Other info: Dynamic team culture with opportunities for travel and professional development.
- Why this job: Make a real impact in trade credit risk management while developing your skills.
- Qualifications: Experience in credit risk analysis and strong communication skills required.
The predicted salary is between 60000 - 80000 £ per year.
At AIG, we reimagine the way we help customers manage risk. As a Senior Credit Officer, you will be responsible for ensuring that Trade Credit credit risk guidelines are applied to the buyer portfolio to enable effective risk management and support profitability objectives.
Responsibilities
- Perform credit reviews and ORR (grade) recommendations for large buyer portfolios with gross exposure of $5MM or greater.
- Establish and maintain aggregate limits within the Trade Credit appetite framework to support underwriting production targets.
- Review and rate Higher Risk and Watchlist buyers with exposures of $10MM or greater (ORR 6 and worse).
- Respond to underwriting ad‑hoc requests for credit limit review/approvals related to specific renewals and new business opportunities efficiently.
- Present risk assessment of existing and prospective large transactions to Regional and Global Credit Committees when buyer limits and aggregate limits trigger thresholds.
- Assist and guide Underwriters with new or renewal buyer portfolios, including buyer risk, policy structure and mitigation parameters.
- Initiate and participate in buyer calls or visits as needed to ascertain risk profile and appropriate appetite.
- Ensure ORR coverage for all buyer names with gross exposure of $5MM or greater and that all policyholders have an assigned ORR rating.
- Maintain ORR aging within AIG Credit Policy Guidelines and keep aggregate limits in date for all names with exposures of $5MM or greater.
- Record all approvals and save related supporting materials to the TradEnable System (TES).
- Prepare monthly overdue exposure reports for the China book and update the Global Watch List and Focus List with recommended underwriting strategies.
- Respond to ad‑hoc exposure inquiries from Trade Credit or ERM Credit Management.
- Assist underwriters in conducting credit management reviews to evaluate the credit management strength of new business or renewal policyholders.
- Undertake periodic sector reviews as directed by the Chief Credit Officer or Regional Head of Credit.
- Enhance trade credit risk management practices and deliver training to local and global colleagues, including the India Shared Service team.
Qualifications
- Demonstrated credit risk analysis experience focusing on the Chinese corporate sector at international banks or credit rating agencies.
- Experience using leading market‑based credit risk portfolio techniques and tools.
- Strong understanding of trade credit policies, risk drivers and mitigation strategies.
- 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.
- Excellent written and oral communication, presentation, and organizational skills.
- Project management ability and strong decision‑making skills.
- Capacity to manage time pressure, meet deadlines, and juggle competing tasks in a diverse portfolio.
- Team‑player who collaborates effectively with internal and external stakeholders.
- Willingness to travel regionally.
- Business acumen and ability to thrive in a changing environment.
- Expertise in Excel, PowerPoint, Word, basic transactional modelling and forecasting.
- Competency in IT packages and institutional systems; knowledge of risk and portfolio management packages is desirable.
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 providing reasonable accommodations to job applicants and employees with disabilities.
Senior Credit Officer employer: American International Group
At AIG, we pride ourselves on fostering a dynamic work environment that encourages professional growth and collaboration. As a Senior Credit Officer in our China office, you will benefit from a culture that values innovation and inclusivity, alongside competitive compensation and comprehensive benefits. With opportunities for continuous learning and development, AIG is committed to empowering its employees to excel in their careers while making a meaningful impact in risk management.
Contact Details:
American International Group Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Officer
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and credit sectors. A quick chat or coffee can lead to opportunities that aren’t even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of trade credit policies and risk management strategies. We want you to shine when discussing your experience with credit risk analysis!
✨Tip Number 3
Don’t forget to showcase your project management skills during interviews. Highlight how you’ve successfully managed competing tasks and met deadlines in your previous roles.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Senior Credit Officer
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Credit Officer role. Highlight your experience in credit risk analysis, especially within the Chinese corporate sector, and showcase any relevant skills that align with the job description.
Craft a Compelling Cover Letter:Your cover letter should tell us why you're the perfect fit for this role. Use specific examples from your past experiences that demonstrate your understanding of trade credit policies and risk management practices.
Showcase Your Communication Skills:Since excellent written and oral communication is key for this position, ensure your application is clear, concise, and free of errors. This is your chance to show us how well you can present information!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and keep track of it as we review candidates.
How to prepare for a job interview at American International Group
✨Know Your Credit Risk Inside Out
Make sure you brush up on your credit risk analysis skills, especially focusing on the Chinese corporate sector. Be prepared to discuss specific techniques and tools you've used in past roles, as well as how they relate to AIG's trade credit policies.
✨Showcase Your Communication Skills
As a Senior Credit Officer, you'll need to present risk assessments clearly. Practice articulating complex ideas simply and confidently. Consider preparing a mock presentation on a previous project to demonstrate your ability to communicate effectively with stakeholders.
✨Demonstrate Your Team Spirit
AIG values collaboration, so be ready to share examples of how you've worked with teams in the past. Highlight any experiences where you guided underwriters or collaborated on credit management reviews, showcasing your ability to work well with others.
✨Prepare for Scenario-Based Questions
Expect questions that assess your decision-making skills under pressure. Think of scenarios where you had to manage competing tasks or meet tight deadlines. Prepare to explain your thought process and the outcomes of your decisions to show your project management abilities.
