Job Description

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Senior International Credit Analyst (Bilingual English/Spanish) – Miami, FL

FinTrust Connect is recruiting on behalf of a confidential international bank for a Senior International Credit Analyst. The role requires deep expertise in international and domestic credit analysis, financial modeling, and cross-border risk assessment. You will underwrite complex credit facilities with a strong emphasis on trade finance, C&I lending, and commercial real estate (CRE) while ensuring strict adherence to credit policy and applicable regulatory standards.

Why this opportunity?

• Culture: Collegial, growth-oriented, and internationally collaborative

• Workplace: Hybrid (following a 90-day on-site immersion in Miami, FL)

• Function: Lead credit underwriting for international and domestic clients with a focus on trade finance, C&I lending, and CRE, guiding risk decisions across markets

Requirements:

• 5+ years of credit analysis experience in a banking environment
• Bachelor’s degree in Finance, Accounting, Economics, or related field; CFA, CBCA, or MBA preferred
• Bilingual (English/Spanish) proficiency—verbal and written
• Expertise in international credit risk, cross-border lending, trade finance, and CRE
• Strong proficiency with Moody’s CreditLens, Bankway, AccuSystems, and Excel
• Experience preparing credit memoranda and presenting to credit committees

Description:

• Conduct financial and risk analysis on domestic and international borrowers
• Underwrite credit facilities including CRE (up to $10MM), C&I, trade finance, leasing, and correspondent banking
• Evaluate macroeconomic, sovereign, and political risks impacting cross-border lending and assign/support internal ratings
• Prepare detailed credit memoranda and present findings to senior leadership/credit committee
• Collaborate with Relationship Managers, Legal, and Compliance throughout due diligence and documentation
• Monitor collateral valuation, covenants, and portfolio performance; support credit policy development
• Utilize DSCR, stress testing, and scenario analysis within established modeling frameworks
• Report to the Credit Manager in a high-visibility role with clear growth opportunities

What Success Looks Like:

• You deliver clear, data-driven analyses that strengthen credit decisions.
• You balance risk management with business growth across trade finance, C&I, and CRE.
• You present with confidence to credit committees and senior leadership.
• You build trust with U.S. and Latin American clients through bilingual expertise.

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