Intercredit Bank N.A. · 20 hours ago
Senior Credit Analyst - Syndicated
Miami, FL
Full-time
Onsite
Mid, Senior Level
3+ years expIntercredit Bank N.A. is seeking a Senior Credit Analyst to join their Syndications team, providing credit expertise for syndicated loan transactions. The role involves analyzing loan opportunities, preparing credit assessments, and ensuring compliance with the bank’s policies.
Banking
Responsibilities
Prepares credit analysis report for use by lending officers and the Bank’s respective Credit Committees for their consideration to approve or deny credit facilities for corporate and institutional USA borrowers. In order to accomplish this function, the analyst:
Verifies that the required audit level for financial information submitted by the borrowers conforms to Bank’s policy
Analyzes financial ratios derived from the spreading of the financial information
Reviews the comparative spreads of borrower’s and peer group’s ratios and draws appropriate conclusions
Runs and analyzes appropriate credit reference reports such Standard & Poors, Moody’s, and Fitcho
Requests and reviews credit references from other available informational sources
Prepares credit analyses reports by presenting facts, and offers reasoned opinions in respect to the credit condition of the borrower being reviewed
Prepares industry study reports on the industries in which the Bank extends credit. Reviews the Bank's portfolio position in each industry being analyzed and assesses the overall risk position being incurred
Provides clear assessment as to whether a proposed or existing loan is within established credit policy guidelines
Maintains extensive communication with Lending Officers, and Credit Department Managers providing assistance on the preparation of new loans and renewals
Assists the Credit Managers and Chief Credit Officer in training and supervising more junior credit analysts by showing them how to spread and analyze financial statements, prepare peer group comparisons, calculate and utilize financial ratios, understand and utilize cash flows, and evaluate all of the non-numerical aspects of evaluating credit risk
Provides necessary support to Credit Managers, Credit Portfolio Managers, and Chief Credit Officer
Qualification
Required
Requires a Bachelor's degree, preferably with a business, finance major or related field
A minimum of three – four years previous credit training and experience is required, preferably within syndicated loans, or corporate banking
Requires strong knowledge and experience with word processing and spreadsheet software such as Microsoft Word and Excel
A high level of accuracy is important
Work typically involves reading, large amounts of writing, and substantial arithmetical calculations
Requires the ability to conduct research, strong conceptual and analytical skills, and the ability to write and speak effectively
Strong time management and organizational skills, with the ability to prioritize and manage multiple transactions
Compliance with OFAC Regulations is the responsibility of ALL employees of the Bank
Work is typically sedentary and requires the ability to work using computer equipment for up to 95 percent of the workday
Preferred
An advanced degree in business, finance, or economics is desirable
Fluency in both spoken and written Spanish is highly desirable
Company
Intercredit Bank N.A.
Intercredit Bank, N.A. is a Florida-based bank founded in 1992 as a result of the purchase of a Miami community bank.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Mario Oliva
Chief Executive Officer
Javier Montero
Chief Information Officer
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