Job Description
Are you an analytical professional seeking a high-impact career in the financial heart of South Florida? Bancos del Sol is looking for a Senior Credit Analyst to join our elite risk management team in Miami. We offer competitive compensation packages, a dynamic work environment, and significant opportunities for professional growth.
In this pivotal role, you will be responsible for evaluating creditworthiness, managing risk portfolios, and providing strategic insights that drive lending decisions. If you excel in a fast-paced financial setting and are looking for a high-paying position with a top-tier institution, we want to hear from you.
Why Join Us?
- Market-leading compensation structure.
- Comprehensive health and wellness benefits.
- Flexible working arrangements and professional development programs.
- Access to Miami's vibrant professional community.
Responsibilities
- Conduct in-depth analysis of financial statements, cash flows, and collateral to assess credit risk for corporate and commercial clients.
- Prepare detailed credit memos and presentations for the Credit Committee and senior management approval.
- Develop and maintain credit scoring models to predict default probabilities and optimize lending strategies.
- Monitor macroeconomic trends and industry-specific risks to proactively adjust risk parameters.
- Collaborate with loan officers and portfolio managers to structure financing solutions that align with risk appetite.
- Review and restructure existing loan portfolios to minimize non-performing assets.
Qualifications
- Bachelor’s degree in Finance, Economics, Accounting, or a related field (Master’s degree or MBA preferred).
- Minimum of 5 years of experience in credit analysis, risk management, or commercial lending.
- Strong proficiency in financial modeling, Excel (advanced functions), and credit analysis software (e.g., SAS, MATLAB, or proprietary systems).
- Excellent analytical skills with the ability to interpret complex financial data.
- Strong verbal and written communication skills, capable of presenting complex ideas to stakeholders.
- CFA, CPA, or similar professional certification is a plus.