Senior Credit Analyst - Trade Finance (Miami)

Seeking a Credit Analyst to support the underwriting and credit approval process for international banking relationships. This role will focus on analyzing credit risk related to cross-border commercial lending, trade finance, and structured international transactions, primarily involving Latin America.

Key Responsibilities

• Underwrite and analyze credit requests for international clients, including :
• Commercial & corporate loans
• Trade finance products (letters of credit, standby LCs, import / export financing)
• Working capital facilities and structured credit solutions
• Perform detailed financial statement analysis (IFRS and US GAAP), cash flow modeling, and ratio analysis for foreign counterparties.
• Assess country risk, sovereign risk, FX exposure, and political / economic factors impacting cross-border transactions.
• Prepare comprehensive credit memorandums for Credit Committee, clearly outlining risks, litigants, and recommendations.
• Analyze collateral structures including guarantees, pledged deposits, trade-related instruments, and corporate support.
• Conduct ongoing credit monitoring, annual reviews, covenant compliance, and portfolio risk assessments.
• Work closely with Relationship Managers, Trade Finance, Operations, and Compliance to ensure transactions meet regulatory and internal credit standards.
• Ensure adherence to U.S. regulatory requirements, internal credit policies, and international banking best practices.

Qualifications