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
Bachelors degree in Finance, Accounting, Economics, or related field.3+ years of credit analysis or underwriting experience within international banking, foreign banking organizations, or trade finance.Strong experience underwriting cross-border credit facilities and international counterparties.Solid understanding of trade finance products, international lending structures, and risk mitigation tools.Knowledge of Latin American markets strongly preferred.Strong financial modeling, analytical, and credit writing skills.Familiarity with U.S. banking regulations applicable to foreign bank agencies (FDIC, OCC, Federal Reserve).Advanced Excel skills required.Bilingual English / Spanish strongly preferred.