International Senior Credit Analyst -Miami, FL

Senior International Credit Analyst Bilingual (English / Spanish)

Confidential International Bank Partnership via Fintrust Connect

Role Overview

Fintrust Connect is recruiting on behalf of a confidential international bank for a Senior International Credit Analyst . This role requires deep expertise in international and domestic credit analysis , financial modeling, and cross-border risk assessment. The analyst will underwrite complex credit facilities with a strong emphasis on trade finance and commercial real estate (CRE) while ensuring strict compliance with credit policies and regulatory standards.

This position reports directly to the Credit Manager , who is recognized for fostering a supportive, growth-oriented team culture . The bank offers a collaborative and international environment, where analysts are encouraged to grow their expertise and contribute to strategic global credit decisions.

Key Responsibilities

Credit Underwriting & Analysis

Conduct detailed credit assessments of foreign and domestic obligors , including analysis of audited financial statements, tax returns, cash flows, and industry / economic considerations.

Underwrite a diverse portfolio : Commercial Loans, Trade Finance, Commercial Leasing, Correspondent Banking, Domestic C&I, Leveraged Loans, CRE, and Shared National Credits .

Evaluate sovereign, political, and currency risks when underwriting cross-border borrowers.

Prepare comprehensive credit memoranda and recommendations for credit committees.

Financial Modeling & Risk Forecasting

Build and maintain financial models including DSCR, ratio analysis, stress testing, and sensitivity analysis.

Incorporate macroeconomic indicators and sovereign risk into credit decisions.

Commercial Real Estate (CRE) & C&I Lending

Underwrite non-owner occupied CRE loans up to $10M .

Evaluate C&I trade finance transactions ($5M$7M range) , including owner-occupied and smaller professional program loans based on tax returns.

Balance domestic and international underwriting across borrower types and deal structures.

Collateral Oversight

Monitor collateral values, valuation dates, and methodologies for adequacy and compliance.

Portfolio & Policy Management

Conduct annual reviews of existing credits (portfolio management handled by the lending team).

Contribute to enhancements in credit policy and underwriting standards.

Stakeholder & Committee Engagement

Collaborate with Relationship Managers, Legal, and Compliance teams during due diligence.

Present credit analysis and recommendations to senior leadership and credit committees.

Turnaround & Productivity

Prepare credit packages on a rush basis in 2 days when needed.

Handle complex deals in about a week; simpler requests in less time.

Innovation & Tools

Utilize Moodys Credit Lens, Bankway, AccuSystems , and advanced Excel.

Leverage risk analytics and emerging tools to enhance efficiency and decision-making.

Work Schedule

First 90 Days (Onsite Immersion) :

Fully onsite Monday-Friday for training, integration, and team collaboration.

After 90 Days (Hybrid Schedule) :

Alternating hybrid structure :

Week A : 2 days onsite, 3 days remote

Week B : 3 days onsite, 2 days remote

Continues alternating 2 / 3 then 3 / 2 cadence.

Qualifications

Education & Credentials

Bachelors degree in Finance, Economics, Accounting, or related discipline.

Advanced certifications (CFA, CBCA, MBA) preferred.

Experience

Minimum 5 years of credit analysis / credit risk experience within a bank .

International credit experience required .

Exposure to trade finance, CRE, and C&I lending highly valued.

Technical Skills

Strong financial modeling and credit analysis skills.

Proficiency with Moody's Credit Lens, Bankway, AccuSystems , and Microsoft Office.

Language Proficiency

Bilingual English / Spanish required (verbal and written).

Soft Skills

Organized, detail-oriented, and able to manage multiple complex transactions.

Strong communicator and collaborator with cultural agility.

Team player who thrives in an international banking environment .

Compensation

Salary : $90,000+

Benefits :

Health Insurance : Medical, dental, and vision coverage

Retirement Plan : 401(k) with employer contribution / match

Paid Time Off : Vacation, sick days, and bank holidays

Professional Growth : Training, mentorship, and career development opportunities under a strong Credit Manager

Hybrid Work Model : After 90 days onsite immersion

Other Perks : Life insurance, disability coverage, and employee assistance programs (common for international banks)

Why This Role Matters

Opportunity to work for a global international bank with exposure to both Latin American and U.S. markets.

Direct mentorship under a highly respected Credit Manager who fosters a culture of learning, collaboration, and professional growth .

Key role underwriting high-value cross-border lending in trade finance and CRE.

Structured onboarding with clear progression to hybrid flexibility.

High visibility with senior leadership and credit committees.