Credit Analyst

At M&G our purpose is to give everyone real confidence to put their money to work. As an international savings and investments business with roots stretching back more than 170 years, we offer a range of financial products and services through Asset Management, Life and Wealth. All three operating segments work together to deliver attractive financial outcomes for our clients, and superior shareholder returns.

Through our behaviours of telling it like it is, owning it now, and moving it forward together with care and integrity; we are creating an exceptional place to work for exceptional talent.

We will consider flexible working arrangements for any of our roles and also offer work place accommodations to ensure you have what you need to effectively deliver in your role.

The Role:

M&G is a leader investor in Structured Credit, dedicated to providing excellent opportunities for its clients. This role is part of the Structured Credit Research team, which plays a pivotal role in the investment process by offering credit opinions, independent ratings and structuring capacity to the fund managers.

In this position, you will work in a dynamic and collegiate team environment to originate, analyse and execute both public and private structured finance opportunities. You will be exposed to a variety of structured finance sectors including both consumer and commercial securitisations and other property-related transactions. You will engage with key deal stakeholders, in addition to fund managers, arranging agents (banks, sponsors etc.) and legal advisors as well as other external market participants.

This role offers significant opportunities for the right candidate to learn about these asset classes and develop sector expertise. Joining M&G means contributing to a respected and innovative team in the structured credit field.

Key Responsibilities:

• Work with the team on the analysis of structured credit investment opportunities and identify credit / investment risks
• Analyse and interpret large datasets to assess the credit profile of collateral pools
• Build and work with financial and cash flow models to stress test structures under various economic scenarios
• Ensure that the legal documentation is adequate and drive improvements where commercially feasible
• Independently prepare and present analysis and recommendations to committees
• Actively participate in ratings committees
• Identify and follow market trends to conduct asset class research
• Communicate effectively with internal stakeholders to present views
• Effectively engage with external stakeholders and borrowers to execute or monitor transactions
• Support the team in wider projects such as ESG and monitoring reviews.

Key Knowledge, Skills & Experience:

• Understanding of fixed income products and the risks associated with investing in them
• Team player with exceptional ability to build strong relationships internally and externally
• Familiarity with Bloomberg and Intex systems
• Strong qualitative and quantitative analytical skills
• Reliable skills in Excel, VBA & PowerBi
• Effective communicator - written and verbal
• Ability to work independently with multiple stakeholders at once and act in a coordinating role
• Highly organised to help manage complex projects across a variety of sectors to tight deadlines
• An inquisitive mind combined with excellent attention to detail

Work Level: Manager or Expert

Recruiter: Hannah Curtis

We have a diverse workforce and an inclusive culture at M&G plc, underpinned by our policies and our employee-led networks who provide networking opportunities, advice and support for the diverse communities our colleagues represent. Regardless of gender, ethnicity, age, sexual orientation, nationality, disability or long term condition, we are looking to attract, promote and retain exceptional people. We also welcome those who take part in military service and those returning from career breaks.