CREDIT ANALYST - WATERFORD

FirstBank Florida; Miami (FL); On-site; USD 60,000 - 85,000; Full time

Job summary

FirstBank Florida in Miami, FL is seeking a Corporate Banking Credit Analyst I to join our corporate lending team. You will analyze loan information, prepare credit materials, and support ongoing portfolio monitoring to ensure compliance with bank policies.

The role requires 1–2 years in banking/credit and a Finance or Business degree; strong MS Office skills and attention to detail are essential for accurate reporting and timely decision making in a fast-paced environment.

Qualifications

• Bachelor's degree in finance / business administration or related field preferred.
• 1-2 years experience in banking environment and/or credit field.
• Strong knowledge of Microsoft Office Suite and proficient at typing.
• Understanding of financial information and loan documentation.
• Must be able to work a flexible working schedule.
• Good communication skills and attention to details.

Responsibilities

• Analyze loans by evaluating and reviewing loan information and supporting documentation.
• Assist in preparing CAMs for presentation to approval authorities.
• Maintain up-to-date credit files and underwriting systems.
• Coordinate across teams to ensure internal reporting and compliance.
• Present reports and loan files to committees for discussion and conclusion.
• Flag material risk factors and communicate with teams.

Skills

Credit analysis

Portfolio management

Underwriting

Communication

Education

Bachelor's degree in finance or business

Tools

Microsoft Office

Banking software

Job description

JOB SUMMARY

The Corporate Banking Credit Analyst I primarily focuses on credit analysis, portfolio management, underwriting and ongoing review of the following types of loans: Corporate, Middle Market and Project Finance. Ability to be a team player, as well as communicate and collaborate with Lending Officers, Credit Officers, Relationship Managers, Senior Team Members and other Committee Members. Strive to achieve an outstanding level of customer service in accordance to Bank’s standards and competencies.

Accountable for adhering to the Bank's BSA, AML, and Office of Foreign Asset Control (OFAC) applicable policies.

Employee must follow specific unit procedures developed in compliance with the Bank's processes and comply with any mandatory BSA, AML, and OFAC training assigned.

ESSENTIAL FUNCTIONS

• Responsible for the timely and satisfactory completion of annual reviews, covenant compliance reports, leveraged loan monitoring reports, certain waivers/amendments and others as required.
• Assist in preparing green light and Credit Approval Memorandums (CAM’S) for presentation to applicable approval authority committee. CAMs will be for existing loans and new potential loans.
• Maintain up to date credit files and loan underwriting and portfolio management system, ensuring that files and reports comply with credit policies and regulatory requirements.
• Coordinate across teams including credit risk, loan review, servicing, closing, and others, to ensure satisfactory internal reporting, compliance and streamlined processes.
• Analyze loans by evaluating and reviewing loan information, including but not limited to financial statements, financial models, lender presentations/decks, public filings, data rooms, diligence reports, appraisal reports, and other related loan information and supporting documentation.
• Assist in pro-actively anticipating questions/topics that credit committee members will likely focus on, sufficiently address those topics with the Senior Team Members.
• Present reports, reviews, and loan files to the Corporate Banking Department and to Credit Department for discussion and conclusion.
• The Credit Analyst must inform the corporate banking team and Credit team of any material risk factor, discrepancy or deviation discovered during the preparation and/or review of the CAM, its underwriting, credit analysis and due diligence.
• Maintains continuous contact with Credit Analyst II's and RM’s to provide information on transaction status, discrepancies and resolve problems, concerns/doubts.
• Assist the Corporate Banking Department concerning loan policies and procedures, quality control matters, loan review, and underwriting.
• Assist in the preparation of Corporate Banking presentations.
• Assisting in periodic portfolio reviews to identify early warning signals, and to maintain proactive mitigation strategies.
• Participate in Corporate Banking pipeline meetings.
• Assist in the execution and maintenance of ancillary services including cash management and others.
• Manage to meet internal and client deadlines.

INTERACTION

• Single country - 1 Region

EDUCATION

Bachelor's degree in finance / business administration or related field - Preferred

EXPERIENCE

• 1 - 2 years experience
• 0-2 years in banking environment and/or credit field
• Strong knowledge of Microsoft Office Suite and proficient at typing
• Understanding of financial information and loan documentation
• Must be able to work a flexible working schedule
• Good communication skills and attention to details

Note: Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

KNOWLEDGE, SKILLS AND ABILITIES – KSA FOR THIS JOB DESCRIPTION

FUNCTIONAL COMPETENCIES

• Strong written and verbal communication for reports, presentations, in Spanish and English.
• Prioritize tasks, manage deadlines, and coordinate resources effectively.
• Handle sensitive financial and personnel information responsibly.
• Ability to use Microsoft Office tools, banking software, data security protocols, and digital platforms.
• Respond to changing regulations, market conditions, and organizational needs.
• Understand and respond to internal and external client needs.
• Knowledge of laws, regulatory compliance and other financial regulations.

LICENSES AND CERTIFICATIONS

N/A

CATEGORY CATEGORY CRITERIA FOR PROFESSIONALS/ INDIVIDUAL CONTRIBUTOR

• Customer Focus: Anticipate and provide service excellence to both internal and external customers.
• Building Strong relations: Establish, sustain, and foster both internal and professional contacts to build, enhance and connect to FirstBank services.
• Communication: Deliver clear, effective communication and take responsibility for understanding others.
• Business Acumen: Understand how the organization works, including, current and future policies, practices, and trends.
• Problem Analysis & Solution: Identify problems and conduct appropriate analysis involving others to search for the best solution.
• Ownership: Take initiative and assume personal accountability for goals, outcomes, and deadlines.

Vision & Values

Understand the organization’s vision and uphold the values in everyday work and actions. At higher levels take long-term view and share with others the vision and the organization path ahead.

Development (Personal & Others)

Demonstrate curiosity for learning and perform activities to make the most of their skills and boost potential in self and others.

Change & Innovation

Create a view of change as an opportunity and inspire others. Look for new ways to experiment with new ideas and approaches.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office.
Ability to lift and/or move up to 10 pounds.

WORK ENVIRONMENT

Working environment is performed in a bank environment. Employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with company events.

IMPACT OF ERRORS

• The degree of judgement is related to the compilation and/or presentation of simple information.
• The degree of judgement is related to data processing and/or presentation of possible recommendations.
• The degree of judgement is related to integration or coordination of varied elements and its applications to specific subjects.
• The degree of judgement is related to identification and definition of new problems of moderate complexity.
• The degree of judgement is related to continuous analysis of specialized and complex subjects.
• The degree of judgement is related to creation, development and implantation of policies, strategies, and work methods of general application.
• The degree of judgement is related to recommendation of action or decision on subjects of impact for essential functions of the Bank.
• The impact of errors of this position is limited to job activities.
• The impact of errors of this position could affect Departmental activities.
• The impact of errors of this position could affect other department’s activities or external service.
• The impact of errors of this position could affect essential activities of administrative, operational or business nature that have a considerable economic impact.
• The impact of errors of this position could affect essential activities that are important for the Bank, either from other divisions or departments, or within.
• The impact of errors of this position could affect strategic results or Bank image through the regulatory agencies, customers and the community.
• The impact of errors of this position could affect stability and continuity of the vital Bank operations.

EQUALEMPLOYMENT OPPORTUNITY EMPLOYER

Equal Employment Opportunity Employer