Unum Group

Sr. Credit Analyst - Private Debt

Unum Group$89K — $183K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years of relevant experience in investments or corporate lending
  • Minimum Bachelor's degree required; MBA and/or CFA preferred
  • Strong analytical skills in both qualitative and quantitative analysis
  • Deep expertise in financial statement analysis and financial modeling
  • Excellent verbal and written communication skills
  • Critical thinking and problem-solving abilities
  • Proficiency in Excel and Bloomberg
  • Negotiation and documentation skills
  • Demonstrated teamwork and collaboration capabilities

Responsibilities

  • Assess private placement credit quality across industries and countries
  • Analyze investment risk factors including financial and legal aspects
  • Evaluate complex transactions requiring advanced structuring
  • Collaborate with legal counsel for proper transaction structuring
  • Liaise with supervisors to align investments with client objectives
  • Conduct due diligence on potential investments with required travel
  • Monitor portfolio credit quality and recommend buy/sell/hold actions
  • Provide detailed credit updates in written and verbal formats
  • Participate in pricing during quarter-end reporting
  • Assist in legal amendments and workout situations
  • Take on special projects or other duties as assigned

Benefits

  • Comprehensive healthcare benefits including health, vision, and dental
  • Insurance options for short and long-term disability
  • Performance-based incentive plans
  • Generous paid time off
  • 401(k) retirement plan with employer match up to 5% and additional 4.5% contribution
  • Benefits subject to individual plan terms and conditions
Full Job Description
Job Posting End Date: July 30

General Summary:
This position is responsible for analyzing, structuring, and monitoring debt private placements. The individual will provide credit opinions and recommendations to the portfolio manager and internal committees. These opinions and recommendations are utilized to evaluate risk, and are the basis for buy/sell/hold decisions.

There is flexibility in the opening, and we are evaluating individuals with different experience levels.

Principal Duties and Responsibilities

Credit Analysis - New Transactions
  • Assess credit quality of private placement offerings across various industries and countries, using a variety of research sources, including offering documents, management calls, rating agencies, Bloomberg, third party research, and SEC filings
  • Analyze various risk factors associated with the investment, including financial, operating, industry, political, legal, sovereign, and liquidity risk
  • Evaluate more complex transactions involving higher degrees of structure/complexity
  • Work with internal and external legal counsel to ensure that the transaction is appropriately structured
  • Work closely with supervisor and VP to ensure that recommended investments meet client objectives in terms of pricing, duration, risk tolerance, etc.
  • Engage in due diligence of potential investments, including onsite visits; some travel required, both domestic and international


Credit Management Portfolio
  • Monitor the credit quality of portfolio companies and make buy/sell/hold recommendations as changes in the credit profile or portfolio needs warrant
  • Provide written and verbal credit updates on assigned portfolio
  • Effectively communicate within Investments and other internal units, as well as external constituents such as senior management of portfolio companies, bankers, and legal counsel
  • Assign internal credit outlooks and rate credits biannually
  • Perform quarter-end portfolio pricing in conjunction with Investment Accounting
  • Work alongside legal counsel in amendment and workout situations
  • Assume responsibilities for special projects or other duties when required


Qualifications
  • 5+ years relevant work experience in investments and/or corporate lending; strong knowledge of fixed income market, economics, and credit research required
  • Minimum Bachelor's degree required; MBA and/or CFA credentials preferred
  • Strong analytical skills, both qualitative and quantitative
  • Deep knowledge of financial statement analysis, financial modeling
  • Excellent communication skills, both oral and written
  • Strong critical thinking, with ability to problem-solve
  • Excel and Bloomberg proficient
  • Negotiation and documentation skills
  • Demonstrated ability to collaborate in a team setting


#LI-LR1

#LI-Onsite

~IN1

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$89,400.00-$183,500.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company:
Unum

About Unum Group

Since their founding in 1848, Unum has been known for breaking new ground in the business of benefits. Integrity, determination, innovation and leadership were at the core of their company 165 years ago, and they are just as relevant to their business today. Just as long-lasting has been their commitment to being there when people need us most, a simple but compelling philosophy that began before the Civil War during a time when investing in insurance to protect yourself from the financial effects of illness and injury was a radical idea. They persevered during the fledgling insurance landscape then, and we're equally committed today to educating consumers about the value of financial protection benefits. Take a look below at Unum and its predecessor companies throughout the years.

Unum Group Careers

Join the Unum Group team today and be part of a company that values innovation, leadership, and diversity. As a leading provider of financial protection benefits in the United States and the United Kingdom, Unum Group offers unparalleled job opportunities in a variety of professional fields.

Work You’ll Do

At Unum Group, you will contribute to a culture that supports the growth and development of its employees through targeted diversity training and robust career advancement opportunities. Our team is committed to creating an inclusive environment where every team member’s skills and ideas are valued.

Explore Professional Growth

Unum Group is not just a company; it's a place where you can shape your future. Whether you're looking for an internship, ready to lead at the managerial level, or anywhere in between, Unum has a position that will match your skills and ambitions. We are dedicated to fostering leadership and innovation at every level of our organization.

Join Our Dynamic Team

Our team at Unum Group thrives on collaboration and the free exchange of ideas. We believe that diversity fuels innovation and we strive to create a workplace where all employees can achieve their professional goals. With a focus on continuous improvement and employee empowerment, Unum offers a dynamic work environment designed to develop top-tier professionals.

Benefits and Culture

Unum Group is committed to offering competitive benefits that enhance the lives of our employees and their families. From health and wellness to financial and retirement planning, our benefits are designed to promote a healthy, fulfilling life both inside and outside of work. Our culture emphasizes work-life balance, community involvement, and the well-being of our employees.

Career Development Opportunities

Invest in your future with Unum Group’s comprehensive career development programs. From professional development workshops to leadership training, we provide the tools and resources necessary for personal and professional growth. Our commitment to career development ensures that our employees are well-equipped to meet the challenges of today’s job market.

Innovative Hiring Process

Our hiring process is designed to identify and attract the best talent. From the initial resume submission to the final interview, each step is an opportunity to showcase your unique abilities and learn more about the Unum culture. We value straightforward communication and transparency, ensuring that all candidates understand what it takes to be a part of our team.

Networking and Community

At Unum Group, networking doesn’t end with the job interview. We encourage our employees to continue building professional relationships and sharing insights through our internal networking platforms. This connectivity allows for ongoing professional development and community building across the company.

Join Unum Group

Discover the exciting career opportunities waiting for you at Unum Group. Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Ready to start your journey with us? Explore job openings, read more about our company culture, and apply today to become part of something great.

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Learn more about Unum Group
Size
10,100 employees
Market Cap
$8 billion
Industry
Net Income
$793 million
Founded
1848
5 Year Trend
+1.6%
Revenue
$13.1 billion
NASDAQ

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