Senior Credit Rating Specialist

Senior Credit Rating Specialist

Location: London – hybrid 50%

Contract: Permanent

Hours: Full time – 35 hours

Purpose

Provide expert leadership in the internal credit rating process through the development of new methodologies and models, the review of credit ratings assigned by the origination team, and the validation of ratings and methodologies used or assigned by external fund managers

Who are Just?

We help people achieve a better later life. That’s our purpose and it’s the reason we exist. We are a fast-growing company helping customers enjoy the retirement they deserve. We do this through a variety of market leading, award-winning products and services, delivered by a diverse team of over 1,400 purpose-led colleagues who genuinely put the customer at the heart of everything we do.

This is a brilliant time to join our business. We are on an exciting growth journey to become the UK’s most loved retirement expert.

Key responsibilities

• Lead the development and maintenance of internal credit rating methodologies and models for new asset classes, primarily in real estate and/or project finance.
• Assess the robustness of credit rating methodologies applied by external fund managers.
• Support the internal credit rating process by reviewing and challenging credit ratings and supporting materials prepared by the origination team.
• Contribute to internal validation activities by producing shadow ratings for assets assessed by external fund managers

What we’re looking for

• Solid technical understanding of either the commercial real estate sector or project finance from a credit risk perspective
• Strong understanding of the credit rating process, developed through experience at a rating agency, asset manager, insurance company or bank.
• Proven experience in credit analysis or credit ratings, developed through roles at a rating agency, asset manager, insurer or bank.
• Practical experience assessing complex transactions, particularly in real estate or project finance, including analysis of structures and legal documentation.
• Involvement in the development or application of credit rating methodologies, including scorecard-based and qualitative frameworks; experience designing internal methodologies is an advantage.
• Hands-on experience operating internal rating models, using Excel or similar tools to apply methodologies and assign internal credit ratings

What’s in it for you

• A competitive salary, pension scheme and life assurance
• 25 days annual leave plus an additional day on us for your birthday
• Private medical cover and income protection, just in case
• A generous and highly achievable bonus scheme
• Opportunities to progress your career in-role and within the company
• Free access to the Headspace app, 24/7 employee assistance helpline and trained physical and mental health first aiders
• A variety of employee funded benefits available via our online benefits portal

Plus, several additional purchase options available for you and your loved ones

Explore our full range of benefits on our dedicated benefits page.

Be Bold. Be Brilliant. Be Just.