Credit Analyst

UNFCU; New York (NY); Hybrid; USD 101,000 - 129,000; Full time

Job summary

An established industry player is seeking a Credit Analyst to perform independent credit and investment analysis for municipal securities. This role involves evaluating existing holdings, providing insights on trends, and making recommendations for new exposures. The ideal candidate will have a strong background in finance and credit analysis, with the ability to interpret complex financial data. This position offers opportunities for professional growth in a supportive environment that values diversity and inclusivity. Join a team committed to service excellence and making a positive impact in the financial sector.

Qualifications

• 2 years of experience in credit analysis within the municipal/public finance sector.
• Ability to write credit reviews and analyze financial statements.

Responsibilities

• Evaluate creditworthiness of municipal issuers through written credit reviews.
• Construct financial spreadsheets and interpret changes in financial metrics.

Skills

Credit Analysis

Financial Statement Analysis

MS Excel

Bloomberg

Research Skills

Communication Skills

Education

Bachelor’s degree in Public Policy or Public Administration

Bachelor’s degree in Finance, Accounting, Economics

Graduate coursework or degree

Tools

MS Office

Bloomberg Terminal

Job description

Join to apply for the Credit Analyst role at UNFCU

Join to apply for the Credit Analyst role at UNFCU

Why join this team

P erform independent written credit and investment analysis primarily for UNFCU’s municipal securities portfolio. Responsible for evaluating the creditworthiness of existing municipal holdings and perform surveillance on municipal bond issuers impacted by major news or credit events. Evaluate potential new municipal exposures through bond purchase recommendations as well as provide feedback to the portfolio management team on trends in the municipal sector that could impact the portfolio. This position will also provide opportunities to eventually perform similar analytical roles for corporate security exposures.

Why join this team

P erform independent written credit and investment analysis primarily for UNFCU’s municipal securities portfolio. Responsible for evaluating the creditworthiness of existing municipal holdings and perform surveillance on municipal bond issuers impacted by major news or credit events. Evaluate potential new municipal exposures through bond purchase recommendations as well as provide feedback to the portfolio management team on trends in the municipal sector that could impact the portfolio. This position will also provide opportunities to eventually perform similar analytical roles for corporate security exposures.

This position is expected to be hybrid.

NYC Salary Range - $101,000 - $129,000 annually; compensation is commensurate to geographic location.

What You'll Do

• Regardless of seniority or role, uphold UNFCU’s mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors.
• Evaluate the creditworthiness of municipal issuers in UNFCU’s portfolio primarily through written credit reviews in order to provide updates on key recent events, socioeconomic indicators, financial performance, and debt burden including pension liabilities and other various financial metrics.
• Construct and update financial spreadsheets for municipal issuers in the portfolio and interpret the changes in the financial, liquidity, and leverage metrics.
• Regularly keep the manager and portfolio manager apprised of real-time news developments related to existing and potential exposures.
• Review external research from rating agencies and banks, and share insights with other department analysts.
• Perform special or topical research projects for department management as requested.
• Develop deep sector knowledge to anticipate cycles, trends, and structural changes that could impact the creditworthiness of municipal issuers in the portfolio.
• Participate in management discussions on credit risk and external economic and regulatory factors.
• Ensure compliance with federal and state laws and regulations and UNFCU’s Code of Ethics & Business Conduct.
  
  
  

What We're Seeking

• Bachelor’s degree in Public Policy or Public Administration with some course work in finance, economics, and accounting, or a Bachelor’s degree in Finance, Accounting, Economics, or related field. Graduate coursework or degree is a plus
• 2 years of experience in credit analysis and/or in credit research, within the municipal/public finance sector
• Proven ability to complete assignments independently, succinctly write credit reviews, and possess a drive to expand one’s understanding of the municipal bond markets
• Experience in analyzing and interpreting financial statements (CAFR), pension valuation reports, GASB, sector specific performance ratios, and the municipal bond market
• Experience in researching and interpreting demographic, socioeconomic, and property valuation data as well as identifying relevant information from issuer disclosures posted on emma.msrb.org and other sites
• Advanced MS Office skills, particularly MS Excel
• Proficient knowledge of Bloomberg
• Excellent oral and written communication skills and ability to summarize complex issues and relationships
• Ability to prioritize and manage many concurrent projects while adapting to new assignments as needed
• Ability to work independently and effectively with a self-directed creative approach and commitment to all assignments
  
  
  

What Makes You Stand Out

• Experience at a rating agency, buy side firm, bank, insurance company or bond insurer background is preferred
• Understanding of the fixed income capital markets and portfolio management concepts is preferred
• Progress towards earning the CFA charter is preferred, but not required
• Willingness and desire to become an expert in the credit evaluation process and interpretations of financial statements, credit metrics/ratios, and other risk factors
  
  
  

Who We Are

UNFCU is a global not-for-profit financial institution that serves the UN community. We are committed to providing peace of mind to our members and colleagues and strive to achieve service excellence in all that we do. The best part of UNFCU is the people. Those that choose to work with us often find personal fulfillment, professional growth and a purposeful culture.

UNFCU is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. UNFCU prohibits discrimination and harassment of any type. All applicants will be considered for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by country, federal, state or local laws.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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