Credit Analyst - Banking (C&I, ABL) Bilingual

Ascendo Resources; Miami (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Ascendo Resources is seeking a Credit Analyst to support a specialized commercial lending team focusing on structured working capital solutions and cross-border transactions throughout the Americas. The role emphasizes underwriting and portfolio risk assessment and involves preparing credit recommendations for senior management.

The ideal candidate will analyze C&I borrowers, review US GAAP and IFRS statements, monitor exposures, and mentor a Junior Credit Analyst, while communicating with

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5+ years in credit analysis within a regulated financial institution.
• Strong C&I underwriting experience and advanced financial statement analysis.
• Bilingual English and Spanish (spoken and written).

Responsibilities

• Underwrite and analyze credit for C&I borrowers.
• Assess liquidity, leverage, cash flow, and working capital.
• Prepare credit memoranda for senior management and credit committee.
• Monitor existing exposures and implement risk mitigation.
• Support trade finance and cross-border transactions in the Americas.
• Mentor a Junior Credit Analyst.
• Communicate with borrowers in English and Spanish.

Skills

Credit underwriting

Financial statement analysis

Cash flow modeling

Bilingual English/Spanish

Education

Bachelor's degree in Finance/Accounting/Economics/Business Admin

Tools

Excel

Credit analysis software

Job description

A growing international financial institution is seeking a Credit Analyst to support specialized commercial lending team focused on structured working capital solutions, and cross-border transactions throughout the Americas.

This position will play a key role in underwriting and portfolio risk assessment, preparing credit recommendations for senior management and credit committee review, and supporting an expanding trade finance program with clear advancement opportunities.

Key Responsibilities

• Perform credit underwriting and risk analysis for commercial and industrial (C&I) borrowers.
• Analyze borrower financial statements prepared under both US GAAP and IFRS.
• Assess liquidity, leverage, cash flow, and working capital performance.
• Prepare detailed credit memoranda for presentation to senior credit management and credit committee.
• Evaluate short-term commercial financing structures and trade finance transactions.
• Monitor existing credit exposures and recommend risk mitigation strategies.
• Support portfolio management activities and ongoing credit reviews.
• Mentor and oversee the work product of a Junior Credit Analyst.
• Communicate effectively with borrowers and counterparties throughout the Americas in both English and Spanish.

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field.
• 5+ years of credit analysis and underwriting experience within a regulated financial institution.
• Strong commercial and industrial (C&I) credit underwriting experience.
• Advanced financial statement analysis skills.
• Experience preparing formal credit committee memoranda.
• Strong cash flow, leverage, and working capital modeling capabilities.
• Bilingual English and Spanish (spoken and written).

Preferred Qualifications

• Experience supporting Latin American borrowers.
• Trade finance experience including forfaiting, documentary collections, and bill discounting.
• Knowledge of insured receivables financing and trade credit insurance structures.
• Exposure to revolving commercial financing facilities.
• Agribusiness sector experience.
• Experience with bank participations and syndicated structures.
• MBA, CFA, FRM, or similar advanced credentials.