C&I Credit Analyst — Strategic Underwriting & Risk

Banco Pichincha (Miami Agency); Coral Gables (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Banco Pichincha Miami Agency is seeking an experienced Senior Credit Analyst to join our Credit team. This role focuses on Commercial & Industrial credit analysis, evaluating operating companies, financial statements, cash flow, and repayment capacity to support lending decisions.

You will independently assess credit requests, identify risks, prepare written analyses, and collaborate with Relationship Management and other stakeholders.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Minimum 5 years of commercial credit analysis and/or underwriting in banking or regulated finance.
• Experience analyzing C&I borrowers and operating companies.
• Strong financial statement, cash-flow, ratio, and trend-analysis skills.
• Strong credit judgment and repayment-capacity assessment.
• Exposure to international credit analysis and/or underwriting.
• Strong Excel skills and use of credit-analysis tools.

Responsibilities

• Perform comprehensive credit analysis of commercial borrowers with a focus on C&I and operating companies.
• Analyze financial statements, cash flow, ratios, and trends to assess creditworthiness.
• Evaluate credit requests and identify financial, business, industry, and transaction risks.
• Prepare written credit analyses and recommendations for management and approval.
• Conduct comparative and trend analyses across reporting periods.
• Independently manage credit analyses from review to completion with deadlines.
• Utilize Excel and established credit-analysis systems and templates.
• Collaborate with Credit, Relationship Management, and other stakeholders.
• Support ongoing monitoring and review of the commercial portfolio.

Skills

Commercial credit analysis

Financial statement analysis

Cash flow analysis

Credit judgment

Excel skills

Independent work

Education

Bachelor’s degree in Finance/Accounting/Economics

Tools

Financial modeling software

Job description

Banco Pichincha Miami Agency is seeking an experienced Senior Credit Analyst to join our Credit team. This role focuses on Commercial & Industrial credit analysis, evaluating operating companies, financial statements, cash flow, and repayment capacity to support lending decisions.

You will independently assess credit requests, identify risks, prepare written analyses, and collaborate with Relationship Management and other stakeholders.