Credit Risk Finance Consultant

The Hartford; Hartford (CT); Hybrid; USD 103,000 - 154,000; Full time

Job summary

The Hartford is seeking a Finance Consultant in Credit Risk to conduct comprehensive credit and financial reviews for loss-sensitive accounts. The role emphasizes collaboration with national accounts and underwriters, driving efficiency through AI tools, and deepening understanding of collateral needs in loss-sensitive programs.

Open in Hartford, CT with a hybrid schedule (3 days in-office). The base pay ranges from $102,800 to $154,200 annually, with additional incentives as part of total

Qualifications

• Excellent communication, presentation and interpersonal skills.
• Proven ability to interact with senior business partners.
• Strong MS Office suite, including AI products.
• Ability to operate in a fast-paced, deadline-driven environment.
• Process-improvement and technology-driven mindset, including AI tools.

Responsibilities

• Perform financial and credit reviews using financial statements and supporting materials for prospective and renewal accounts.
• Partner with business and underwriting leaders to support growth objectives.
• Drive process improvements and leverage AI-enabled solutions to increase efficiency.
• Understand workflows related to loss-sensitive insurance programs and collateral solutions.

Skills

Communication

Interpersonal skills

Senior stakeholder interaction

MS Office + AI tools

Fast-paced environment

Process improvement

Education

BS in Accounting or Finance

Tools

MS Office

AI tools

Job description

Cons Fin Analysis - FF07BE We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future. This Finance Consultant level role resides in Credit Risk within the Chief Underwriting Office organization.

The primary responsibilities of the role include conducting comprehensive credit and financial statement reviews for new and renewal customers with loss sensitive programs to assess creditworthiness and financial strength for each account. The position requires process-improvement and technology-driven mindset, including extensive use of AI tools and solutions. The consultant will engage directly with business partner leaders and underwriters across National Accounts, Captives, Construction, Y-Risk, Middle Market, and Energy. The role will incorporate loss-sensitive driven collateral needs and management.

Primary Job Duties

• Perform financial and credit reviews, utilizing financial statements, footnotes, and supporting materials for prospective and renewal accounts, to assess the financial strength and creditworthiness of each large deductible, loss-sensitive account.
• Partner with Middle and Large Business practice leaders and underwriters to support business objectives and goals to achieve top-line and bottom-line growth.
• Drive department objectives to enhance processes, increase efficiency, while leveraging technology and AI-enabled solutions.
• Develop a strong understanding of workflows and concepts related to loss-sensitive insurance programs including the various types of collateral solutions accepted for The Hartford’s high-deductible insurance programs.
• Develop a deep understanding of the goals and objectives of private equity sponsors and anticipate the strategic direction of the private equity managers, including the related credit implications.

Job Qualifications

• Bachelor of Science in Accounting or Finance strongly preferred.
• Excellent communication, presentation, and interpersonal skills.
• Proven ability to interact with senior business partners.
• Strong Microsoft Office suite skillset, including AI products.
• Ability to operate effectively in a fast-paced, time-sensitive environment with competing priorities, driven by insurance quote cycles and deadlines.
• Process-improvement and technology-driven mindset, including leverage of AI tools and solutions.
• High degree of initiative, resourcefulness, and the ability to work independently, as well as collaboratively in a team environment.

Preferred Qualifications

• 5+ years of experience in accounting or financial analytics, or related discipline, compensation determined based on level of experience.
• Strong knowledge of Generally Accepted Accounting Principles.
• Credit analysis, collateral management, and insurance product knowledge. preferred, but not required.
• Understanding of industry economics and market dynamics.
• Knowledge of large deductible, loss-sensitive insurance programs preferred.

Posting Information

*Posting is open in our Hartford, CT office and will be Hybrid 3 days a week in office*

Hybrid Work Schedule

This role will have a Hybrid work schedule and will have the expectation of working in office 3 days a week (Tuesday through Thursday).

Compensation

Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $102,800 - $154,200

Equal Opportunity Statement

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

Company Culture

Every day, a day to do right. Showing up for people isn’t just what we do. It’s who we are – and have been for more than 200 years. We’re devoted to finding innovative ways to serve our customers, communities and employees—continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it’s these values that drive all of us to do more and to do better every day.