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About the Role
The Senior Credit Analyst will specialize in the Financial Institutions sector, focusing on banks and/or insurance companies. This role involves delivering high-quality fundamental credit research, assessing ESG and regulatory risks, and generating investment recommendations across the capital structure of primarily European issuers to support fixed income portfolio investment decisions.
Responsibilities
- Assume primary responsibility for the credit coverage of a specified list of banks and/or insurance companies.
- Conduct in-depth fundamental credit analysis across business models, financial performance, capital adequacy, liquidity, asset quality, and management strategy.
- Monitor regulatory, political, macroeconomic, and industry developments, evaluating their impact on issuer creditworthiness and relative value opportunities.
- Maintain financial models, forecasts, and stress-testing frameworks to support forward-looking credit analysis.
- Identify and monitor investment opportunities across issuers, sectors, and the capital structure.
- Produce research notes, credit opinions, and investment recommendations for portfolio managers and other stakeholders.
- Present credit views, investment ideas, and sector insights to portfolio managers, investment committees, and broader investment teams.
- Contribute proactively to meet the output requirements of the Global Research and Engagement Group (GREG) while supporting ad hoc credit requests, client queries, and continuous improvements to research processes and analytical frameworks.
Requirements
- Demonstrate strong credit research experience covering banks and/or insurance companies.
- Experience gained on the buy side, sell side, or within a credit rating agency; direct buy-side portfolio-facing experience preferred.
- Strong understanding of Financial Institutions, including business models, regulation, capital structures, and key credit metrics.
- Advanced financial modelling and analytical skills.
- Ability to develop independent credit views and explain them clearly.
- Strong awareness of financial markets and macroeconomic trends.
- Excellent written and verbal communication skills.
- A proactive, curious, and collaborative approach with strong attention to detail.
Location
- London, One Coleman Street
Work Type
- Permanent
Experience Level
- Senior
Benefits
- Annual, performance-related bonus plan
- Valuable share schemes
- Generous pension contribution
- Life assurance
- Healthcare Plan (permanent employees only)
- At least 25 days holiday, plus public holidays (26 days after 2 years’ service)
- Option to buy and sell holiday
- Competitive family leave
- Electric car scheme (permanent employees only)
- Discounts on own products and at a range of high street stores and online
About the Company
- Legal & General (L&G) is a leading UK financial services group and major global investor.
- We have been safeguarding people’s financial futures since 1836, striving to build a better society, improve customers' lives, and create shareholder value.
- We are one of the world’s largest asset managers with powerful asset origination capabilities, underpinning our retirement and protection solutions.
- We are an international player in pension risk transfer, UK and US life insurance, and UK workplace pensions and retirement income.
- Our global asset management business provides clients and partners with complex, responsible investment solutions across public and private markets.
- Asset Management is a critical driver of our Group strategy, aiming to work synergistically with Institutional Retirement and Retail divisions.
- Our investment philosophy focuses on creating long-term value and believes that incorporating financially material sustainability criteria can drive positive change.
Equal Opportunity
- We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience.
- If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences.
- Guided by leaders with integrity who care about your future and wellbeing.
- Empowered through initiatives which support people to develop their careers and excel.
- We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time and job shares.
- It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.