C&I Credit Analyst

Ascendo Resources; Miami (FL); On-site; USD 85,000 - 120,000; Full time

Job summary

Ascendo Resources is seeking an experienced Senior Commercial Credit Analyst for a banking client in the Miami area. The role focuses on in-depth financial analysis, credit risk assessment, and recommendations on complex commercial loan requests across C&I or ABL lending.

The candidate will prepare underwriting packages, evaluate collateral, and collaborate with relationship managers to support new and existing credit requests while monitoring portfolio performance and ensuring regulatory

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field; MBA or CFA a plus.
• 5+ years of commercial credit analysis or underwriting experience in banking or financial services.
• Strong understanding of C&I or ABL lending.
• Proficiency with financial spreading software and Microsoft Excel.
• Excellent analytical, written, and verbal communication skills.
• Strong attention to detail and ability to meet deadlines in a fast-paced environment.

Responsibilities

• Conduct comprehensive financial analysis of middle-market and commercial borrowers, including review of financial statements, tax returns, and cash flow projections.
• Prepare detailed credit memos and underwriting packages with risk assessments and recommendations for approval.
• Evaluate collateral and perform loan structure analysis to ensure appropriate risk mitigation.
• Collaborate with relationship managers, loan officers, and portfolio managers on new and existing credit requests.
• Monitor borrower performance and identify early warning signs of credit deterioration.
• Assist in portfolio management, including renewals, modifications, and annual reviews.
• Ensure all analyses comply with internal credit policies and regulatory requirements.
• Mentor junior analysts by reviewing work, sharing best practices, and providing technical guidance.

Skills

Financial analysis

Credit underwriting

Excel proficiency

Communication skills

Education

Bachelor’s degree in Finance/Accounting/Economics

MBA or CFA (a plus)

Tools

Microsoft Excel

Financial spreading software

Job description

We are seeking an experienced Senior Commercial Credit Analyst to join our client within a banking institution. This individual will be responsible for performing in-depth financial analysis, assessing credit risk, and providing well-supported recommendations on complex commercial loan requests. The ideal candidate has strong analytical and underwriting experience across various commercial loan types, including C&I or ABL.

Key Responsibilities:

• Conduct comprehensive financial analysis of middle-market and commercial borrowers, including review of financial statements, tax returns, and cash flow projections.
• Prepare detailed credit memos and underwriting packages with risk assessments and recommendations for approval.
• Evaluate collateral and perform loan structure analysis to ensure appropriate risk mitigation.
• Collaborate with relationship managers, loan officers, and portfolio managers on new and existing credit requests.
• Monitor borrower performance and identify early warning signs of credit deterioration.
• Assist in portfolio management, including renewals, modifications, and annual reviews.
• Ensure all analyses comply with internal credit policies and regulatory requirements.
• Mentor junior analysts by reviewing work, sharing best practices, and providing technical guidance.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA or CFA a plus.
• 5+ years of commercial credit analysis or underwriting experience in banking or financial services.
• Strong understanding of C&I or ABL Lending
• Proficiency with financial spreading software and Microsoft Excel.
• Excellent analytical, written, and verbal communication skills.
• Strong attention to detail and ability to meet deadlines in a fast-paced environment.