Sr Credit Analyst - Banking (C&I, ABL, Trade Finance)

A growing international financial institution is seeking a Senior Credit Analyst to support a specialized Trade Finance platform focused on commercial lending, structured working capital solutions, and cross-border transactions throughout the Americas.

This position will play a key role in underwriting and portfolio risk assessment, preparing credit recommendations for senior management and credit committee review, and supporting an expanding trade finance program with clear advancement opportunities.

Key Responsibilities

• Perform credit underwriting and risk analysis for commercial and industrial (C&I) borrowers.
• Analyze borrower financial statements prepared under both US GAAP and IFRS.
• Assess liquidity, leverage, cash flow, and working capital performance.
• Prepare detailed credit memoranda for presentation to senior credit management and credit committee.
• Evaluate short-term commercial financing structures and trade finance transactions.
• Monitor existing credit exposures and recommend risk mitigation strategies.
• Support portfolio management activities and ongoing credit reviews.
• Mentor and oversee the work product of a Junior Credit Analyst.
• Communicate effectively with borrowers and counterparties throughout the Americas in both English and Spanish.

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field.
• 5+ years of credit analysis and underwriting experience within a regulated financial institution.
• Strong commercial and industrial (C&I) credit underwriting experience.
• Advanced financial statement analysis skills.
• Experience preparing formal credit committee memoranda.
• Strong cash flow, leverage, and working capital modeling capabilities.
• Bilingual English and Spanish (spoken and written).

Preferred Qualifications

• Experience supporting Latin American borrowers.
• Trade finance experience including forfaiting, documentary collections, and bill discounting.
• Knowledge of insured receivables financing and trade credit insurance structures.
• Exposure to revolving commercial financing facilities.
• Agribusiness sector experience.
• Experience with bank participations and syndicated structures.
• MBA, CFA, FRM, or similar advanced credentials.

Career Growth

This role will start leading a team of junior credit analysts, and offers the potential and defined advancement path into a Managerial position and a VP-level credit leadership positions as the platform continues to expand.

Compensation

• Base salary: $110,000 – $130,000
• Annual bonus opportunity
• Comprehensive benefits package