Credit Analyst

Description We are looking for a detail-oriented Credit Analyst to join a banking team in Miami, Florida in a contract-to-permanent capacity. This onsite opportunity is well suited for someone with strong commercial credit experience who can assess borrower financials, support lending decisions, and manage a high volume of requests with accuracy and sound judgment. Candidates with private banking exposure and Spanish fluency will be especially well positioned for success in this role.

Responsibilities:

- Develop thorough credit memoranda and lending presentations that support approval decisions with clear financial analysis and risk commentary.

- Examine borrower and guarantor documentation, including financial statements, tax records, cash flow details, credit histories, and collateral information, to determine overall creditworthiness.

- Evaluate potential risk factors and propose practical credit structures or mitigating measures that align with sound lending practices.

- Perform periodic portfolio reviews and ensure annual credit assessments are completed within established timelines.

- Organize and balance multiple loan files at once while maintaining accuracy, responsiveness, and deadline compliance.

- Partner closely with lending officers to obtain necessary information, discuss findings, and provide informed recommendations for credit decisions.

- Conduct industry and market research to better understand borrower performance, repayment capacity, and broader business conditions.

- Apply knowledge of commercial lending, underwriting, loan structuring, bank regulations, and corporate banking standards in daily analysis and decision support. Requirements

- Experience in credit analysis, preferably within a banking or commercial lending environment.

- Ability to analyze financial statements, tax returns, cash flow trends, and collateral details to support credit recommendations.

- Working knowledge of commercial credit, underwriting principles, and loan application review.

- Familiarity with banking compliance expectations, including regulatory considerations and KYC/AML practices.

- Strong organizational skills with the ability to manage competing priorities and maintain high-quality work under deadlines.

- Spanish language proficiency is required for effective communication in a bilingual environment.

- Private banking experience is preferred.

Please send your resume to brenda.arce@roberthalf

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