Senior Credit Analyst and Sensitive Risk Manager

Allianz Trade in North America; Baltimore (MD); On-site; USD 105,000 - 115,000; Full time

Benefits offered by this job

Competitive compensation

Annual bonus eligibility/commission

401(k) match up to 6%

Flexible work schedules

Health & wellness benefits

Paid time off

Tuition reimbursement

Family care resources

Job summary

Allianz Trade in North America seeks a Credit Analyst and sensitive Risk Manager to proactively manage a portfolio of buyers by gathering appropriate information and applying defined targets to level-risk profiles.

You will perform financial analysis, conduct buyer interviews, monitor high‑risk accounts, collaborate with Sales Agents and underwriters, and develop industry outlooks to guide risk decisions.

Qualifications

• Bachelor's degree in business administration, Economics or Finance; MBA preferred.
• 4–7 years in financial management experience in banking, credit insurance brokerage or a credit insurance environment.
• Excellent computer skills and understanding of financial software and spreadsheets.

Responsibilities

• Manage a profitable portfolio of business within set parameters and perform financial and credit analysis to determine credit ratings.
• Conduct buyer visits or interviews to obtain critical information for portfolio monitoring.
• Monitor high-risk buyers and solicit proprietary information for risk database through contact with Finance Directors and treasurers.
• Provide recommendations to management when outside authority and communicate underwriting requirements to sales agents and underwriters.
• Create industry sector outlooks using public and proprietary information to identify market trends.

Skills

Financial analysis

Credit management

Interpersonal skills

Written communication

Microsoft Word

Time management

Bilingual

Risk analysis

Buyer assessment

Stakeholder management

Education

Bachelor's degree in business administration

Bachelor's degree in Economics

Bachelor's degree in Finance

MBA preferred

Tools

Microsoft Excel

ERP systems

Job description

• Bilingual preferred.

The Credit Analyst and sensitive Risk Manager proactively manages a portfolio of buyers by gathering the appropriate level of information and assessing buyers according to defined targets (manual grading).

Key Responsibilities And Job Duties

• Manage a profitable portfolio of business within the parameters agreed upon with the Regional Director of Information and grading, utilizing sound credit analysis techniques. Perform financial and credit analysis to determine the appropriate credit rating of the company being analyzed.
• Conduct buyer visits or telephone interviews to obtain critical information for the monitoring of the buyer's portfolio.
• Monitor high-risk buyers and solicit proprietary information for the EHNA database by establishing a rapport and maintaining contact with Finance Directors and treasurers, through visits and telephone and written correspondence.
• Utilize all information available to arrive at consistent grading of buyers within authority and make detailed recommendations to the Manager and/or Regional Director when outside authority.
• Communicate with Sales Agents and Commercial Underwriters and/or customers to underwriting requirements regarding industry outlooks and target markets.
• Responsible for the creation of industry sector outlooks (from both public and proprietary information) to determine underlying market trends.
• Reporting to the head of SRU, the SRM expert is senior in their role and responsible for the following:
• Devise and execute in a rigorous manner the risk monitoring plan (review dates, actions follow-up, updates…), taking care of periodic spot-on and accurate reports to internal and external stakeholders and undertaking necessary follow-up actions and their execution.
• Monitoring, alerting, and making proposals to improve the earliest possible identification of deteriorating risk or buyers at risk of default.
• Recommending the appropriate risk underwriting strategy on a specific buyer to minimize default but optimize customer satisfaction.
• On a case-by-case basis, identify and apply the best possible risk reduction and mitigation strategy.
• Undertaking efficient and swift communications with both buyers and policyholders to ensure consistency of the message in support of the identified risk strategy.

Required Qualifications And Skills

• Bachelor's degree in business administration, Economics or Finance, MBA preferred.
• 4-7 years’ experience in financial management experience in banking, credit insurance brokerage or a credit insurance environment.
• Excellent computer skills, with an understanding of financial software and spreadsheet packages.
• Excellent understanding of Financial Statements. Excellent analytical skills. Interpersonal skills in high-level business meetings, both internally and externally.
• Exceptional written communication skills.
• Computer literate and familiar with Microsoft Word and Excel.
• Effective at time management.
• Bilingual preferred.
• Credit knowledge and experience with high volume risk analysis and underwriting.
• Market knowledge of the local economic environment.
• Expertise on a particular region and/or trade sector.
• Strong skills in financial analysis; very good knowledge of Finance and Credit Management.
• Expertise and experience in buyer assessment.

Total Compensation Range

$105,000-$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.