Credit Analyst, Credit Research Job at Aflac (New York City)

Job Responsibility

Responsible for proactively monitoring Paper and Packaging, Metals and Mining, and Midstream sectors and taking the lead in making recommendations for portfolios supporting global insurance products
Conduct in-depth market research across assigned sectors to support investment recommendations including key trends and competitive landscape in assigned sectors, review of company financial reports, earnings and news releases, and analyze relative value within and across industry sectors for various investment portfolios
Monitor, gather, and organize information critical to the credit investment decision process
Calculate key credit metrics, particularly liquidity, leverage, and cash flow ratios
Identify potential new investments for the portfolios
Prepare oral and written analyses and summaries to key stakeholders across the firm
Apply detailed understanding of each bonds' position in the capital structure
Maintain relationships with sell-side analyst, rating agencies and company management to keep up to date on investment opportunities
Update and manage relevant internal and external sources of data
Conduct ad hoc projects, analyses, and other support to relevant stakeholders as required
Assess Global Investment's AI needs by collaborating closely with Aflac Digital Services, Global Security, Compliance, Data and IT to ensure enterprise alignment
Work with various teams across Global Investments to explore new business-specific tools through industry conferences, peer studies, and vendor relations
Evaluate the feasibility and business impact of AI tools, conducting operational reviews, tests, risk assessments and cost & benefit analysis
Lead the design and validation of proof - of - concepts for AI tools, ensuring alignment with business needs and clear success measures
Translate pilots into scaled deployment by coordinating project leads, technical staff, and business stakeholders

Requirements

Must have a Master's in Finance, Business Analytics, Data Science, Statistics, or similar quantitative discipline
Work or educational background must have included demonstrated proficiency with: Using developed quantitative models and multi-variant assumptions
Running regression models and stress testing of portfolio holdings
along with various scenario-based events
Applying knowledge of bond calculations, asset liability management, capital calls, and underwriting of bonds
Understanding of financials, risk assessments, while qualifying macro-economic scenario events such as duration, convexity, inflation, floating vs fixed rate with a limited and broad time series models to assess appropriate allocation
Automating the switch trade model using Python and VBA, resulting in reduced time spent on model running and improved efficiency
Assessing risk associated with lending to companies by considering various factors such as economic conditions, industry trends, commodity prices and company-specific factors
Utilizing tools and techniques including: Financial Modeling
Python programming
Quant modeling
VBA Automation
Advanced Excel modeling
Bloomberg API functions
Power BI
Microsoft Copilot
Prompt Engineering

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Credit Analyst, Credit Research

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