WORKami

Senior Credit Analyst

Job Description

An International Bank with Domestic license is seeking an experienced Credit Analyst who will conduct credit investigations and analyze credit information pertaining to loans.

The Credit Analyst will provide support and assistance to Commercial Loan Officers and Loan Administrator in making credit decisions through preparation of financial spreadsheets and written analyses focusing on areas of profitability, liquidity, cash flow, and industry stabilization. They will also be involved in the preparation of financial statements of commercial clients as well as advise lenders on the potential client’s borrowing capacity and ability to pay their credit obligations. The Credit Analyst will prepare written analyses focusing on areas of profitability, liquidity, cash flow, and industry stabilization and prepare loan packages for presentation to Loan Committee. Salary highly competitive and commensurate with experience.

Requirements

• Three to five years in Underwriting of Corporate Commercial Credit

• Bachelor’s degree in Business Administration, Finance, Accounting, or Economics,

• Working knowledge of credit analysis process, policies and procedures governing credit

• Formal commercial credit training a plus

• A good understanding of market trends, economic conditions, and financial and structural issues

• Strong credit, loan documentation and analytical skills

• Must be familiar with and able to calculate various risk ratio calculations, including debt coverage ratio, leverage ratio, liquidity ratio, among others

• Demonstrated excellent written, verbal communication, listening, and interpersonal skills, and ability to work in a team environment


Spanish is a must