FIG Underwriting Analyst

A Leading Financial Services Group is seeking an analytical FIG Underwriting Analyst to evaluate institutional credit risk and lending facilities.

The FIG Underwriting Analyst must combine deep accounting analysis of banking and insurance financial statements with quantitative credit risk modeling.

Key Responsibilities

• Conduct comprehensive credit underwriting and financial statement evaluations for Financial Institutions Group (FIG) counterparties.
• Analyze balance sheets, income statements, and cash flows of commercial banks, insurance companies, and financial institutions.
• Perform in-depth financial ratio analysis and DuPont decomposition to assess profitability, efficiency, and leverage.
• Evaluate key prudential metrics including capital adequacy, asset quality, liquidity coverage, and statutory solvency margins.
• Author structured credit underwriting reports, risk assessment notes, and facility structuring recommendations.
• Identify key credit risks, propose appropriate financial covenants, and determine suitable credit exposure limits.
• Present underwriting findings and transaction recommendations directly to senior stakeholders and credit committees.
• Monitor ongoing portfolio exposures, track warning indicators, and conduct periodic counterparty reviews.

Requirements and Qualifications

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, or a related quantitative field.
• Demonstrated experience in credit underwriting, financial statement analysis, corporate banking, or credit risk management.
• Strong functional understanding of banking and insurance financial reporting structures and regulatory standards.
• Advanced financial modeling proficiency in MS Excel and mastery of DuPont return analysis.
• Excellent written report-authoring skills with the ability to articulate risk arguments clearly for executive committees.