Credit Analyst

About The Company
Pacific Life is a leading provider of life insurance, retirement, and investment solutions dedicated to helping individuals and families achieve financial security and peace of mind. With a rich history of innovation and a commitment to excellence, Pacific Life has established itself as a trusted name in the financial services industry. The company prides itself on its strong ethical standards, customer-centric approach, and a culture that fosters growth and development for its employees. Pacific Life’s mission is to create a secure financial future for its policyholders while maintaining robust corporate governance and sustainable business practices. The organization values diversity, inclusion, and integrity, ensuring that every team member contributes to its ongoing success and positive societal impact.
About The Role
We are actively seeking a talented Public Credit Research Analyst to join our Public Credit Analysis team based in Newport Beach, California. This role offers an exciting opportunity for a seasoned investment professional to contribute significantly to Pacific Life’s investment strategies. While the preferred location is Newport Beach, remote work may be considered depending on the candidate’s geographic location, with relocation assistance provided if necessary. This is a Director-level position, reflecting the importance and seniority of the role within our investment division. The successful candidate will be responsible for conducting in-depth credit research, analyzing fixed-income securities within the US Bank sector, and providing actionable buy, sell, or hold recommendations to support the company's general account investments. This role is instrumental in ensuring that Pacific Life’s investment portfolio aligns with its risk appetite and strategic objectives, ultimately contributing to the financial stability and growth of the organization.
Qualifications
The ideal candidate will possess over seven years of investment research experience, with a minimum of two years specifically focused on the US Bank sector. A bachelor’s degree in finance, economics, or a related field is required; advanced certifications such as CFA or MBA are highly preferred. Demonstrated ability to analyze and model financial metrics, understand bank regulations, and assess business strategies is essential. Familiarity with financial markets, products, and databases such as Bloomberg, along with proficiency in Microsoft Office Suite, will be advantageous. Candidates must have excellent communication skills, capable of conveying complex financial concepts clearly and concisely. A strong understanding of capital requirements and regulatory frameworks affecting banks will enable the candidate to provide insightful analysis and recommendations.
Responsibilities
Conduct comprehensive fundamental credit research on investment-grade and high-yield corporate credits within the US Bank sector, including regional banks and large financial institutions.
Develop and communicate buy, sell, or hold recommendations based on thorough analysis to support the investment decision-making process for the company's general account.
Collaborate closely with senior bank analysts and the broader Public Credit Analysis and Portfolio Management teams to identify optimal investment opportunities and manage risk effectively.
Maintain and develop relationships with sell-side analysts, credit rating agencies, and other external information providers to stay updated on industry trends and credit developments.
Analyze financial statements, industry trends, and regulatory impacts to produce well-informed credit assessments.
Monitor existing investments and market conditions continuously, adjusting strategies as needed to optimize portfolio performance.
Benefits
Pacific Life values its employees and offers a comprehensive benefits package starting from day one. The company provides flexible health and wellbeing benefits, including medical, dental, and vision coverage, as well as Wellbeing Reimbursement Accounts that can be used for personal or dependent needs. Employees enjoy generous paid time off options, including vacation, holidays, and financial planning time off, supporting work-life balance. Additional benefits include paid parental leave and an Adoption Assistance Program, fostering family growth and stability. The company also offers a competitive 401(k) savings plan with a company match and additional contributions, helping employees plan for their financial future. Pacific Life’s benefits are designed to support the physical, emotional, and financial wellbeing of its workforce, creating a supportive environment where employees can thrive both professionally and personally.
Equal Opportunity
Pacific Life Insurance Company is an Equal Opportunity / Affirmative Action Employer, committed to fostering an inclusive workplace that respects and values diversity. We welcome applications from all qualified individuals, regardless of race, color, religion, gender, sexual orientation, gender identity, age, disability, or veteran status. If you require accommodations during the application process due to a disability, please contact our Human Resources team. We believe that a diverse workforce enhances our ability to serve our policyholders and communities effectively and are dedicated to providing equitable opportunities for all employees to succeed and grow within the organization.

Work arrangement
Yes