Credit Analyst – Full Time

UBA America; New York (NY); On-site; USD 85,000 - 120,000; Full time

Job summary

United Bank for Africa America (UBAA) in New York is seeking an experienced Credit Analyst to join our team. The role focuses on credit analysis, underwriting, and risk assessment for financial institutions and counterparties in an international banking environment.

Strong analytical skills, ability to assess complex banking relationships, and bilingual French/English preferred. The role supports risk management, compliance, and senior management decision making.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration or related discipline.
• Experience in commercial banking, corporate banking, correspondent banking or credit risk.
• Ability to analyze financial statements and underwriting materials.

Responsibilities

• Perform comprehensive credit analysis and underwriting of financial institutions and counterparties.
• Analyze audited financial statements, regulatory information and risk indicators.
• Prepare detailed credit applications and reviews for credit authorities and committees.
• Evaluate counterparty creditworthiness and recommend limits, risk ratings and terms.
• Conduct financial spreading, ratio analysis, and stress/scenario analysis.
• Monitor existing credit relationships and identify emerging risks.
• Support ongoing monitoring of the portfolio across departments.

Skills

Credit analysis

Underwriting

Financial statement analysis

Risk assessment

Regulatory knowledge

Excel proficiency

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration

Tools

Microsoft Excel

Banking systems

Job description

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Credit Analyst – Full Time

Location: New York, NY

Employment Type: Full-Time

Position Summary

United Bank for Africa America (UBAA) is seeking an experienced Credit Analyst to join our team in New York. The successful candidate will have strong credit analysis and underwriting experience, preferably within a correspondent banking, financial institutions, or international banking environment.

The Credit Analyst will be responsible for performing comprehensive financial and credit analysis of financial institutions and other counterparties, preparing high-quality credit recommendations, monitoring portfolio risk, and supporting the Bank's overall credit risk management framework.

This position requires strong analytical and financial statement analysis skills, sound credit judgment, excellent written communication, and the ability to assess complex banking and counterparty relationships. Experience analyzing international financial institutions and emerging-market exposures is highly desirable.

Bilingual proficiency in French and English is strongly preferred.

Key Responsibilities

• Perform comprehensive credit analysis and underwriting of financial institutions, correspondent banks, and other assigned counterparties.
• Analyze audited financial statements, management accounts, regulatory information, capital adequacy, asset quality, liquidity, profitability, funding profiles, and other relevant financial and risk indicators.
• Prepare detailed credit applications, annual reviews, renewals, amendments, and credit recommendations for presentation to appropriate credit authorities and committees.
• Evaluate counterparty creditworthiness and recommend appropriate credit limits, risk ratings, terms, conditions, and mitigating controls.
• Conduct financial spreading, ratio analysis, trend analysis, peer comparisons, and stress/scenario analysis as appropriate.
• Assess country, sovereign, industry, market, and geopolitical risks that may affect counterparties and credit exposures.
• Monitor existing credit relationships and identify emerging risks, deteriorating financial trends, covenant concerns, or other early-warning indicators.
• Support the ongoing monitoring and periodic review of the Bank's correspondent banking and financial institutions portfolio.
• Partner with Relationship Managers, Credit Risk, Compliance, Financial Institutions, and other internal stakeholders to support sound and timely credit decisions.
• Ensure credit files and analyses are complete, accurate, well-supported, and prepared in accordance with the Bank's credit policies, procedures, risk appetite, and applicable regulatory requirements.
• Assist with regulatory examinations, internal and external audits, portfolio reviews, and other credit-related projects as required.
• Maintain awareness of economic, regulatory, political, and market developments affecting assigned counterparties and markets.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline required; advanced degree or relevant professional certification is a plus.
• Strong professional experience in commercial banking, corporate banking, correspondent banking, financial institutions credit, or credit risk.
• Demonstrated experience in credit underwriting and financial statement analysis.
• Experience analyzing banks and other financial institutions is strongly preferred.
• Knowledge of correspondent banking products, financial institution exposures, and international banking relationships is highly desirable.
• Understanding of credit risk principles, financial ratios, risk ratings, exposure limits, and portfolio monitoring.
• Strong analytical skills with the ability to identify material risks and translate complex financial information into clear credit recommendations.
• Excellent written and verbal communication skills, including demonstrated ability to prepare well-supported credit memoranda.
• Strong attention to detail, organizational skills, and ability to manage multiple assignments and deadlines.
• Proficiency with Microsoft Excel, Word, and other financial analysis and banking systems.
• Ability to work effectively across Credit, Risk, Compliance, Relationship Management, and other business functions.

Preferred Qualifications

• Prior experience underwriting correspondent banks and/or international financial institutions.
• Experience assessing financial institutions in Africa, emerging markets, or other international markets.
• Familiarity with sovereign and country-risk considerations affecting cross-border banking relationships.
• Bilingual French/English proficiency strongly preferred.
• Experience working within a regulated U.S. banking environment is a plus.

What We Are Looking For

The ideal candidate is a disciplined and commercially aware credit professional who can independently evaluate financial institutions, identify material credit risks, and develop clear, defensible underwriting recommendations. The individual should be comfortable working in an international banking environment and collaborating with relationship, risk, compliance, and senior-management stakeholders.

United Bank for Africa America is an Equal Opportunity Employer. Employment decisions are made without regard to legally protected characteristics and in accordance with applicable federal, state, and local laws.