Credit Risk Solutions Insurance Graduate Programme

Who are we?

Howden is a global insurance group with employee ownership at its heart. We're experts helping clients adapt and thrive in a changing world. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mind-set, and our strength lies in our ability to collaborate as a powerful international team comprised of 23,000 employees and spanning 56 countries.
Our people are our biggest asset as well as our largest shareholder group and are everything that makes us unique; our inclusive culture, the quality service we offer our clients, and our continued growth, all come from our people-first approach. There’s no such thing as individual success. We all need to play our part, contributing our skills and experience to make a true difference. That’s Howden.

Why work at Howden?

We have always been employee-owned and driven by entrepreneurial spirit. Right from the beginning, we've focused on employing talented individuals and empowering them to make a real difference to the company, whilst building successful and fulfilling careers at the same time. Simply put, we hire talented specialists and give them what they need to make a difference for clients. Always have, always will.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down disappointed head-hunters for years. Whatever your priorities – work/life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Howden CAP and Credit Risk Solutions Team

Howden CAP (Capital, Advisory and Placement) advises banks, large corporate firms and investment funds on how insurance can facilitate transactions such as investments, loans and acquisitions.

Within CAP, is our Credit Risk Solutions team who offer a specialty insurance product for large financial institutions (large well-known global banks). Credit solutions insurance protects banks if a borrower fails to repay a loan. By reducing this risk, banks can lend more with confidence and does no not need to hold as much capital against each loan. We work across many different loans including aviation finance, renewable loans and trade finance.

The Graduate Programme

You will be joining a vibrant and tight knit team who serve a diverse global client base. We are looking for soon-to-be or recent graduates from STEM, Finance and Legal backgrounds and have a keen interest in geopolitical finance.
This programme is designed to give you early exposure to real client work, supported by structured training and hands on learning from experienced professionals.

What you'll be doing

• Support with drafting contractual documentation for risk transfer between banks and insurers.

• Assist with taking meeting accurate meeting notes and updating client files.

• Learn the full end-to-end transaction lifecycle, including understanding our policy framework which outlines the loan being insured.

• Researching and vetting underlying borrows, reviewing contracts and looking into their credit profiles and financial health.

• Support with managing the policy once secured, such as handling amendments.

• Gain exposure early on to client and insurers, learning how our experts advise and negotiate the best deals for our clients.

• Play an active role in business origination but supporting with client proposals and presentations.

What are we looking for?

• Soon-to-be or recent STEM, Law or Finance graduates who have an interest in geopolitical finance.

• A keen eye for detail and great analytical skills.

• Great mathematical skills and comfortable dealing with large sums of money.

• Individuals with great interpersonal skills who thrive on connecting and building relationships with others.

• Great written and verbal communication skills, and comfortable speaking with senior individuals.

• Resilient and hard-working graduates who thrive on working under pressure.

• Curious individuals who are keen to learn quickly and apply technical concepts.

• Ability to analyse data using Excel.

• You must have full unrestricted right to work in the UK.

Why should you apply?

• Opportunity to complete fully funded professional and technical qualifications relevant for your role and career pathway.

• Access to discounted personal health policies as well as a range of insurance products.

• 25 days annual leave plus bank holidays and an extra day off for Christmas.

• Competitive salary and generous pension scheme.

• Excellent training and development schemes and accelerated career progression.

• Cycle to work loan scheme and discount on gym memberships.

• 2 days allocated to take part in volunteering schemes.

At Howden, we are committed to developing and maintaining a culture of equality and diversity in the workplace and welcome applications from all backgrounds.

Working structure: 4 days in office