Senior Credit Analyst

Overview

Talento

HC is actively partnered with a global financial institution seeking a Senior Credit Analyst with extensive ABL experience to support the growth within that sector.

The candidate will support the SVP Credit Risk Manager in underwriting and managing complex, multimillion-dollar syndicated and bilateral credit facilities for large domestic and international corporate borrowers across multiple industries. Responsibilities include both cash-flow and asset-based lending (ABL) structures, such as revolving working capital facilities, trade finance, term loans, acquisition financing, and project finance. Serves as a key backup to the SVP Credit Risk Manager and provides oversight and guidance to credit staff.

• Participate in the structuring, underwriting, and approval of complex corporate credit transactions, including ABL facilities secured by receivables, inventory, equipment, and other assets.
• Provide leadership and guidance to domestic and international credit teams, including mentoring junior analysts.
• Evaluate borrower financial condition, business operations, management, industry dynamics, and ownership structures.
• Analyze historical and projected financial statements to assess repayment capacity under both cash-flow and collateral-based structures.
• Assess loan structures, identify key risks, strengths, weaknesses, and recommend appropriate credit mitigants.
• Underwrite and monitor ABL borrowing bases, advance rates, collateral quality, concentration risks, and availability trends.
• Review and evaluate collateral appraisals, field examinations, inventory valuations, and receivables aging reports.
• Monitor ongoing compliance with covenants, borrowing base requirements, reporting obligations, and credit terms.
• Ensure adherence to internal credit policies and regulatory guidance, including leveraged lending, ABL, and project finance standards.
• Perform market and industry research using tools such as Standard & Poor’s, Bloomberg, and other market data sources.
• Recommend internal credit risk ratings and document policy exceptions with appropriate justification.
• Prepare clear, independent, and comprehensive credit memoranda and present recommendations to senior management and credit committees.
• Conduct periodic portfolio reviews, interim financial analyses, and ongoing risk monitoring.
• Support audits, loan reviews, and regulatory examinations.
• Maintain complete and accurate credit documentation and collateral records.
• Serve as backup to the SVP Credit Risk Manager and provide coverage across the credit organization as needed.

• Strong expertise in credit risk management, asset-based lending, and collateral-driven structures
• Advanced financial analysis and modeling capabilities
• Solid working knowledge of S&P and Moody’s analytical frameworks
• Strong understanding of U.S. regulatory requirements and credit policy standards
• Excellent written and verbal communication skills; bilingual English/Spanish preferred
• Proven ability to present complex credit analyses to senior stakeholders

Talento Human Capital provides talent and organizational solutions enabling businesses to evolve beyond tactical human resources management. Our footprint spans across the US, South America, and Asia.

Our organization continues to thrive through our ongoing commitment to building an inclusive and diverse workforce from different backgrounds, perspectives, and skills. Talento Human Capital is an equal opportunity employer, and people are at the center of what we do!

People + Passion + Perseverance = Progress