Senior Credit Analyst - Trade Finance

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.

• Underwrite and analyze credit requests for international clients, including:
• 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 counter parties.
• 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.

• Bachelor’s 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 counter parties.
• 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.

• Mid-Senior level

• Full-time

• Finance

• Banking and Financial Services