Credit Risk Analyst - Investment Securities

Banco Davivienda; Miami (FL); In loco; USD 110.000 - 140.000; Tempo pieno

Descrizione del lavoro

Davivienda International Miami is seeking a Credit Risk Analyst – Investment Securities to assess and monitor credit risk across the bank’s investment portfolio, including fixed-income securities and structured products. The role requires rigorous analysis, due diligence, and communication with senior stakeholders in English and Spanish.

The analyst will support Treasury, ensure regulatory compliance, and contribute to risk-rating frameworks while monitoring issuer creditworthiness and industry

Competenze

• Bachelor’s degree in Economics or Finance.
• 3.5 years of experience in credit risk analysis.
• Fluency in Spanish and English, both written and spoken.

Mansioni

• Assess issuer financial statements and performance metrics to evaluate creditworthiness and risk levels.
• Analyze credit reports, historical performance, and relevant data including macro indicators.
• Research sectors and regions to identify risks and trends affecting issuers’ credit profiles.
• Perform due diligence on issuers; review prospectuses, bonds, covenants, and other risk factors.
• Prepare and maintain credit analysis reports and ensure regulatory compliance; present to Credit Committee.

Conoscenze

Credit risk analysis

Financial analysis

Credit reports

Industry research

Formazione

Bachelor’s degree in Economics and Finance

Descrizione del lavoro

We invite you to be our next Credit Risk Analyst – Investment Securities atDavivienda International Miami.

The Credit Risk Analyst – Investment Securities is responsible for assessing, monitoring, and reporting on credit risk associated with issuers across the bank’s investment portfolio, including fixed-income securities, structured products, and other financial instruments. The analyst evaluates issuer creditworthiness, identifies risk trends, and contributes to internal risk-rating frameworks to ensure regulatory compliance and optimize risk-adjusted returns. Key requirements include strict adherence to FRB, OFR, and OCC guidelines, professional proficiency in both English and Spanish, and the ability to provide ongoing operational support to the Treasury function.

Key Responsibilities :

• Financial Analysis: Assessing the financial statements and performance metrics of issuers to evaluate creditworthiness (EBITDA, FCF/DS, Coverage,etc) and risk levels.
• Credit Risk Assessment: Analyze credit reports, historical performance, and other relevant data—including macroeconomic and issuer-specific indicators.
• Industry Research: Conduct research on sectors and geographic regions (with a focus on Latin America and U.S. markets) to identify risks and trends that may affect issuers' credit profiles.
• Due Diligence: Perform due diligence on potential and existing issuers. Review prospectuses, offering memoranda, bond indentures, covenant structures, and other legal documents to assess contractual risk factors.
• Reporting and Documentation: Prepare comprehensive credit analysis reports and documentation to support portfolio management decisions. Maintain documentation in line with internal credit frameworks and comply with regulatory requirements. Present recommendations to the Credit Committee, and others.
• Monitoring and Surveillance: Monitoring the ongoing creditworthiness of issuers in the portfolio, Track changes in ratings, news events, financial results, and market developments. Identify early warning signals and recommend risk mitigation actions as needed.
• Communication: Communicating findings and recommendations to senior analysts, portfolio managers, investment/credit committees and other stakeholders effectively.
• Treasury controls: Support the treasury products reconciliation process, tracking of credit reviews, changes in ratings, and elaborates reports to Management.

Additional Expectations and Skills:

Understanding of fixed income products, particularly Latin American corporate and financial bonds, and U.S. Treasuries

Familiarity with credit metrics, bond documentation, and risk assessment tools

Qualifications :

• Bachelor’s degree in Economy, finance
• 3.5 years of experience in credit risk analysis
• Fluency in both Spanish and English (spoken, written, and reading comprehension)

This role is based in Miami, United States