Senior Credit Analyst - Baltimore

 

Job Purpose:

Proactively manage an assigned portfolio by sourcing relevant financial and credit information, evaluating buyer risk, and assigning credit grades in line with established criteria. 

Key Responsibilites: 

•Manage credit portfolio of diverse companies including public and private companies, investment grade and non-investment grade credits, and middle market to large corporate obligors. •Perform comprehensive financial statement analysis to assign a company credit rating and recommend underwriting strategy. •Review all pertinent credit and financial information — including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data, to arrive at an appropriate credit rating. •Prepare and present complex credit recommendations on large exposures and strategically important credits to senior credit management and other stakeholders in a credit committee setting. •Develop and maintain relationships with treasury and finance teams to obtain financial data, review financial performance, discuss business forecasts. •Author industry sector outlooks to determine underlying market trends.

Key Responsibilites: 

•Manage credit portfolio of diverse companies including public and private companies, investment grade and non-investment grade credits, and middle market to large corporate obligors. •Perform comprehensive financial statement analysis to assign a company credit rating and recommend underwriting strategy. •Review all pertinent credit and financial information — including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data, to arrive at an appropriate credit rating. •Prepare and present complex credit recommendations on large exposures and strategically important credits to senior credit management and other stakeholders in a credit committee setting. •Develop and maintain relationships with treasury and finance teams to obtain financial data, review financial performance, discuss business forecasts. •Author industry sector outlooks to determine underlying market trends. •Prior fundamental credit training including financial statement analysis is preferred. •Experience evaluating corporate financial statements of both public and private companies. •Experience using ratings platforms for company research, financial data, and credit analysis. •Experience producing thoughtful qualitative and quantitative written analysis. •Excellent analytical and critical thinking skills. •Strong verbal and written communication skills with ability to explain complex financial information. •Proficiency in Microsoft Excel for data analysis and reporting. •Familiarity with Generative AI tools for research, data insights, and general productivity.   Key Experience: •Prior fundamental credit training including financial statement analysis is preferred. •Experience evaluating corporate financial statements of both public and private companies. •Experience using ratings platforms for company research, financial data, and credit analysis. •Experience producing thoughtful qualitative and quantitative written analysis.   Key Requirements: •Bachelor’s degree in Business Administration or Finance, MBA preferred •5-7 years’ experience in banking, insurance or other financial institutions  

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Only meet some of the criteria? Please apply anyway – we want to hear from you!

Total Compensation Range:

$90,000-$115,000

Placement within the range provided above is based on the individual’s relevant experience, skills for the role, and location. Salary ranges are only one component of our total compensation package.

Benefits:

We value your goals and needs, at work and in life. As an associate, you’ll be supported with resources, benefits, and work-life balance so you can thrive in ways that matter to you.

Featured employee benefits to enrich your life:

· Competitive compensation

· Annual bonus eligibility and/or commission structure opportunities

· 401(k) discretionary match of up to 6%

· Flexible work schedules

· Health and wellness benefits

· Paid time off for vacation, illness, Birthday Day Off and Volunteer Day Off

· Tuition Reimbursement

· Family care resources, including fertility and adoption benefits

Learn more about our benefits here: 

https://rcmd-connect.com/allianztrade/

Our policies may change as our working lives evolve. Yet, our commitment to supporting our associates’ well-being and addressing the needs of our clients, business, and communities is unwavering.

Commitment to Diversity, Equity, and Inclusion

We at Allianz believe in a diverse and inclusive workforce and are proud to be an equal opportunity employer. We encourage you to bring your whole self to work, no matter where you are from, what you look like, who you love, or what you believe in.  We therefore welcome applications regardless of race, ethnicity or cultural background, age, gender, nationality, religion, social class, disability or sexual orientation, or any other characteristics protected under applicable local laws and regulations.

Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges, is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us.

Note: Diversity of minds is an integral part of Allianz’ company culture. One means to achieve diverse teams is a regular rotation of Allianz Executive employees across functions, Allianz entities and geographies. Therefore, the company encourages its employees to have motivation in gaining varied skills from different positions and to collect experiences from across Allianz Group.

Headquartered in Paris, Allianz Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk, present in over 40 countries with 5,800 employees. In 2024, our revenues reached 3.8 billion euros, and we guaranteed 1,400 billion euros of trade transactions worldwide. With sustainability, collaboration, and inclusion at the heart of our values, our workplace culture has earned global recognition — demonstrated by our certification as a Great Place to Work and a Gold Medal from EcoVadis in 2025.​

Disclaimer: Allianz Trade is the trademark used to designate a range of services provided by Euler Hermes.

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