Job Description

ITTConnect is seeking a Senior Credit Analyst for a direct-hire full time position with a client that is a large financial institution.

Job location: Miami, FL

Position is hybrid

The Senior Credit Analyst is responsible for ensuring that all credit analyses comply with the Bank’s credit policies, procedures, and governance standards. This role conducts high quality, well supported credit assessments, particularly for Financial Institution (FI) counterparties, and provides sound recommendations to support credit decision making. The analyst handles the department’s most complex credit requests and renewals, ensuring robust risk identification, accurate financial analysis, and adherence to regulatory expectations.

All job responsibilities must be carried out according to Federal/State regulations, in adherence to the Bank Secrecy Act and in Compliance with the BSA/AML program. The Senior Credit Analyst play a critical role in supporting the bank's credit governance framework and is expected to independently handles a wide range of complex credit requests.

Responsibilities:

• Prepare timely, accurate, and comprehensive credit analyses for Financial Institutions, incorporating financial modeling, borrower information, industry and peer comparisons, and relevant macroeconomic factors.
• Provide well supported credit recommendations to Senior Credit Officers and management, grounded in sound credit principles and effective risk identification.
• Maintain proactive and transparent communication with Account Officers, while meeting regularly with borrowers and prospective clients as needed.
• Produce accurate daily, weekly, and monthly reporting related to borrower performance, portfolio exposures, facility utilization, and emerging risk indicators.
• Collaborate with other Senior Credit Analysts on complex or high priority credit requests to ensure consistency, quality, and alignment with departmental standards.
• Support the Financial Institutions Credit team in projects aimed at improving process efficiency, automation, data quality, workflow optimization, and overall productivity.
• Participate actively in training programs, including webinars, conferences, in house training, and other professional development opportunities.
• Support the completion of annual credit reviews for existing Financial Institution exposures, ensuring timely processing upon receipt of updated borrower information.
• Identify and escalate negative findings or material concerns promptly to Senior Credit Officers.
• Contribute to digital transformation initiatives, helping transition manual processes into automated, data driven solutions to enhance analytical depth and operational efficiency.
• Ensure timely updates of internal risk ratings, coordinating with Senior Credit Officers to maintain accurate and governance aligned grading for assigned portfolios.
• Maintain a proactive relationship with Bank affiliates by holding touch-point meetings to strengthen coordination, ensure governance alignment, and support timely information exchange.

Requirements:

• 10+ years of relevant working experience.
• 5+ years of related corporate banking experience.
• 2+ years of experience working in Financial Institutional analysis and credit portfolio risks analysis functions.
• Knowledge of applicable lending and banking laws and regulations.
• Experience in preparing credit analysis, ability to read and interpret financial statements, and strong accounting skills.
• Strong analytical and critical thinking skills, ability to synthesize large amounts of information, analyze risk and identify mitigating factors.
• Excellent Written/Verbal skills. Ability to speak Spanish and/or Portuguese is a plus.
• Bachelors' Degree in Accounting, Finance, Economics or similar with an advanced degree preferred.

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