Entry Level Credit Analyst

ATR International; Columbus (OH); On-site; USD 65,000 - 105,000; Full time

Job summary

ATR International in Columbus, OH seeks a Credit Platform Service Support professional for Wealth Management LC operations. You will manage LC lifecycles, validate documents, and coordinate with Relationship Managers and Trade Finance to ensure timely processing.

Strong analytical skills and regulatory awareness are essential. Responsibilities include reviewing documentation, ensuring compliance with UCP 600, ISP98, OFAC, and KYC, and supporting credit facility setup and monitoring within

Qualifications

• Bachelor’s degree in Finance, Business Administration, Commerce, Economics, or a related discipline.
• Experience with Credit Monitoring, Trade Finance, Letters of Credit, or Banking Operations preferred; open to new graduates with related internships.
• Strong understanding of Standby Letters of Credit and credit life cycle.
• Ability to interpret legal documents, procedures, and credit approvals accurately.

Responsibilities

• Process the complete lifecycle of Standby Letters of Credit (issuance, amendments, extensions, transfers, cancellations, drawings, billing).
• Review customer documentation for completeness and compliance with policies and regulations.
• Validate LC applications, supporting documentation, collateral arrangements, and approval conditions.
• Coordinate with Relationship Managers and Trade Finance teams to facilitate timely LC processing.
• Ensure transactions comply with regulatory requirements, risk frameworks, and internal controls (UCP 600, ISP98, OFAC, KYC).
• Support credit facility setup, maintenance, and monitoring; coordinate collateral reviews.

Skills

Analytical thinking

Communication skills

Attention to detail

Regulatory and risk awareness

Interpersonal collaboration

MS Office (Excel, Word, PowerPoint)

Education

Bachelor’s degree in Finance, Business Admin, Economics, or related discipline

Tools

Trade finance systems

Microsoft Office Suite

Job description

The Wealth Management Credit Platform Service Support Team is part of Private Banking (PB) Credit Platform Services. The Letter of Credit Center of Excellence (CoE) supports the documentation and issuance of Letters of Credit for Private Bank clients, ensuring adherence to operational and risk controls. The team partners with clients, front office, credit risk, and Global Trade teams to facilitate the timely and accurate issuance of Letters of Credit while delivering a seamless client experience.

Key Responsibilities

• Process the complete lifecycle of Standby Letters of Credit, including issuance, amendments, extensions, transfers, cancellations, drawings and billing.
• Review customer documentation for completeness, accuracy, and compliance with internal policies and international trade regulations.
• Validate Letter of Credit applications, supporting documentation, collateral arrangements, and approval conditions before execution.
• Coordinate with Relationship Managers, Product Advisory, Credit Officers, Legal, Compliance, Operations, and Trade Finance teams to facilitate timely processing of Letter of Credit transactions.
• Ensure all transactions comply with applicable regulatory requirements, internal risk frameworks, bank policies, UCP 600, ISP98, OFAC, KYC, and internal controls.
• Support credit facility setup, maintenance, and monitoring; coordinate collateral reviews and approvals prior to issuance; and partner with underwriting and credit teams to ensure facilities are properly established, approved, and linked within internal credit and trade processing systems.
• Monitor transaction queues and service level agreements to ensure timely execution while maintaining high standards of quality and operational excellence
• Investigate and resolve operational exceptions, documentation discrepancies, and client inquiries through effective collaboration with internal stakeholders.
• Maintain accurate transaction records across banking platforms and ensure complete audit trails for all Letter of Credit activities.
• Support periodic portfolio reviews by monitoring upcoming expiries, renewals, collateral sufficiency, and outstanding documentation requirements.
• Identify process improvement opportunities and contribute to automation, standardization, and operational efficiency initiatives.
• Participate in internal audits, regulatory examinations, and control testing activities while ensuring adherence to operational risk and compliance standards.
• Produce operational reports and management information relating to transaction volumes, service metrics, outstanding exceptions, and operational risks.
• Escalate operational risks, control gaps, and complex transactions to senior management in accordance with established governance procedures.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in Finance, Business Administration, Commerce, Economics, or a related discipline.
• Experience in Credit Monitoring and review, Trade Finance, Letters of Credit, Banking Operations, Credit Operations preferred; but open to new graduates with relevant internship experience.
• Strong understanding of Standby Letters of Credit, credit facilities and credit life cycle.
• Strong analytical and problem-solving skills with exceptional attention to detail and risk discipline.
• Ability to interpret legal documentation, operational procedures, and credit approvals accurately.
• Strong organizational skills with the ability to manage multiple priorities while meeting strict deadlines.
• Experience working in a controlled environment with a strong understanding of operational risk and compliance requirements.
• Excellent verbal and written communication to effectively communicate with various stakeholders and across levels
• Proficiency with Microsoft Office, especially Excel, plus Word and PowerPoint.

Preferred Qualifications, Capabilities, and Skills

• Experience working with trade and credit systems.
• Knowledge of Letter of Credit product
• Ability to manage multiple priorities in a high-volume environment.
• Ability to work independently with minimum supervision including demonstration of good time management
• Strong attention to detail and risk awareness.
• Proven ability to collaborate across multiple stakeholder groups.