Job Description

Company Description
Legal & General (L&G) is a leading UK financial services group and major global investor.
We've been safeguarding people's financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders.
We are one of the world's largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income.
Our global asset management business provides our clients and partners with complex, responsible investment solutions, working internationally across public and private markets.

Are you ready to shape the future of real estate credit risk analysis? We're looking for a thoughtful and driven Credit Analyst to join our Credit Ratings Team. Reporting to the Head of Real Estate Credit Ratings, you'll play a key role in assessing and monitoring credit risk across a diverse portfolio, including commercial real estate, structured finance, corporates, housing associations, and more.
We welcome applications from all backgrounds and are committed to building a diverse and inclusive team where everyone can thrive.
What you'll be doing:

• Analysing new credit risks across direct and bilateral transactions
• Collaborating with origination teams to optimise transaction structures
• Recommending internal credit ratings and contributing to committee decisions
• Monitoring portfolio performance and conducting annual reviews
• Responding to ad hoc requests including amendments and waivers
• Supporting digitisation and implementing process improvements
• Contributing to internal rating methodologies and best practices
• Mentoring junior colleagues and supporting internal reviews

Qualifications
Who we're looking for:

• Experience in financial and credit analysis, ideally in commercial real estate
• Understanding of structured finance and transaction processes
• Ability to interpret macro and micro trends and their interactions
• Confidence in attending due diligence and management meetings
• Strong Excel skills with Python or SQL knowledge desirable
• Clear and concise communicator, both written and verbal
• Detail-oriented, creative thinker with a professional approach
• Collaborative team player with a drive to improve processes

Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:

• The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (permanent employees only)
• At least 25 days holiday, plus public holidays, 26 days after 2 years' service. There's also the option to buy and sell holiday
• Competitive family leave
• Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only)
• There are the many discounts we offer - both for our own products and at a range of high street stores and online
• In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart

Additional Information
At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all.
If you join us, you'll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.
We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can.
It doesn't matter if you don't meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.

Skills Required