AVP, Lead Credit Analyst - Credit and Surety

QBE North America
Annapolis, MD
Jun 14, 2017
Jun 21, 2017
Full Time
Lead fundamental credit analysis efforts of domestic and international credit submissions and make conclusions and recommendations that support the underwriting process and the winning of business opportunities. Conduct research and submission of complex risk assessments for Trade Credit and Surety exposures in compliance with Credit Committee standards and guidelines. Lead Global Risk Management efforts with new products including but not limited to Surety and Collateral Alternative.Primary responsibilities* Lead the financial assessments and credit opinions for the underwriting of new and existing customer facilities that are large/complex and/or high risk and problematic. Assessments include risk ratings, risk structuring strategies, risk/exposure mitigation/reduction strategies* Lead the evaluation and on-going monitoring of the global risk portfolio through application of sound credit judgment and adhering to established company policies* Conduct complex research and analysis of corporate creditworthiness to determine QBE's willingness to take on credit risk. Responsible for sound credit conclusions and recommendations by examining qualitative and quantitate components of credit risk* Lead the research of company background, industry trends and operating environments, assess transaction structure, risks and mitigants, and review macroeconomic conditions to present conclusions and recommendations for appropriate approvals* Actively participate in credit committees as the opportunities arise and utilize credit authority as appropriate within risk guidelines and procedures* Establish and expand sound relationships with buyers, insureds and brokers to enhance business development activities through strong credit expertise and business acumen* Lead Global Risk Management activities in the US relating to systems and credit training and manage information sources including testing of risk models* Manage credit risk function for specific product segments, including but not limited to Surety and Collateral Alternative* Manage budgeted resources by anticipating expenditures, accurately forecasting resource needs/costs and properly accounting for expenses to meet requirements and achieve fiscal responsibility* Contribute to a positive environment by demonstrating cultural expectations and guiding leaders to reward performance and value "can do" people, accountability, diversity and inclusion, flexibility, continuous improvement, collaboration, creativity and fun* Adopt QBE values in personal work behaviors, decision-making, contributions and interpersonal interactions; manage own career development by soliciting feedback and valuing other perspectivesRequired QualificationsEducationBachelor's Degree or equivalent combination of education and work experienceExperience7 years relevant experiencePreferred QualificationsEducationMaster's DegreeExperience10 years relevant experience:Experience in risk assessment, credit analysis, problem exposure management in banking or credited analysis related experience within the insurance or financial industries preferred.Knowledge* Thorough working knowledge of credit risk analyses and business and risk concepts* Thorough working knowledge of financial modeling and analyses* Thorough working knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data* Events affecting the industry, including understanding of competition and the marketplace and relevant regulatory, financial, accounting and industry standards* Thorough working knowledge of products and concepts relating to the insurance industrySkills* Business and financial acumen* Manage one's own time and the time of others* Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems* Create and maintain current, accurate and readily accessible data in various formats* Negotiate skillfully in tough situations with both internal and external groups to settle differences with minimum noise* Build and establish constructive and cooperative working relationships and open lines of communication* Assume a methodical approach to evaluate prospective business; identify connections and patterns among multiple factorsAbilities* Mentor others by providing guidance and encouragement* Manage one's own time and the time of others* Share information to achieve best practice* Understand the needs and goals of a customer and actively look for ways to meet them* Utilize effective interpersonal, verbal and written communication* Guide oneself with little or no supervision, and depend on oneself to get things done* Influence without direct authority* Show drive and initiative* Ability to identify trends and interpret resultsWork environmentTravel frequencyOccasional (approximately 5-10 trips annually)Number of Openings:1How to Apply:To submit your application, click "Apply" and follow the step by step process.Equal Employment Opportunity:QBE is an equal opportunity employer and is required to comply with equal employment opportunity legislation in each jurisdiction it operates.

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