Senior Credit Analyst Associate

Intesa Sanpaolo; New York (NY); On-site; USD 110,000 - 125,000; Full time

Job summary

Intesa Sanpaolo in New York hosts the Credit Officer International Network within the Corporate and Investment Banking Division. The role is to independently assess corporate credit proposals, safeguard portfolio credit quality, apply the bank’s credit policies and delegated lending authorities, and provide clear recommendations to decision bodies.

Knowledge of structured finance and project finance is a plus.

Qualifications

• 3–5 years of relevant credit analysis is required.
• In-depth credit analysis, underwriting and risk management knowledge.
• Financial statement analysis and projection modelling (liquidity, leverage, sensitivity).
• Knowledge of U.S. GAAP and IFRS accounting principles.
• Experience with secured and unsecured loan documentation and covenants.
• Familiarity with U.S. capital markets, syndicated loans and workouts.

Responsibilities

• Analyze corporate credit proposals originated by business units.
• Validate historical financial data from annual reports and interim results; assess forecasts and debt-service capacity.
• Review financing structures, guarantees, collateral, covenants and market factors; challenge key assumptions.
• Evaluate external ratings, peer analyses and regulatory factors; identify risks and mitigants.
• Prepare clear credit opinions and support higher approval bodies within delegated limits.
• Assess amendments, waivers, monitor positions and recommend mitigations.

Skills

Credit analysis

Underwriting

Financial statement analysis

US GAAP IFRS knowledge

Excel

Word

Communication

Education

Bachelor’s degree in Finance/Accounting/Economics

Postgraduate degree in Business Administration/Finance (preferred)

Tools

Microsoft Excel

Microsoft Word

Job description

You will join the Credit Officer International Network within the Corporate and Investment Banking Division at the New York Hub. You will be responsible for independently assessing corporate credit proposals, safeguarding portfolio credit quality, applying the Bank’s credit policies and delegated lending authorities, and providing clear recommendations to the relevant decision-making bodies. Knowledge of the fundamentals of structured finance and project finance transactions would be considered an asset.

What you'll be doing

Key responsibilities include:

• Analyze corporate credit proposals originated by the business units
• Validate historical financial data from annual reports, Form 10-K, Form 10-Q and interim results; assess forecasts, liquidity, leverage and debt-service capacity
• Review financing structures, security packages, guarantees, collateral, covenants, market trends, regulatory factors, business plans and sensitivity analyses, challenging key assumptions
• Evaluate external ratings, default indicators, peer analysis, legal contingencies and transformative transactions
• Confirm RWA, CRA, EWS classification, internal rating, ESG score, group exposure and approval level; complete the Pratica Elettronica di Fido
• Prepare clear credit opinions identifying strengths, risks and mitigants; resolve proposals within delegated limits and support higher approval bodies
• Assess amendments and waivers, monitor deteriorating positions and recommend risk-mitigation actions.

Who we are looking for

If you want to turn your credit expertise into a senior career and you have the following characteristics, we are waiting for you:

• 3–5 years of relevant credit analysis are required
• In-depth credit analysis, underwriting and credit risk management knowledge
• Financial statement analysis and projection modelling, including liquidity, leverage and sensitivity assessment
• Knowledge of U.S. GAAP and IFRS accounting principles
• Secured and unsecured loan documentation, guarantees, collateral and financial covenants
• U.S. capital markets, syndicated loans, distressed debt, banking regulation, workouts and bankruptcy fundamentals
• Microsoft Excel and Word proficiency
• Undergraduate degree in Finance, Accounting, Economics or a related field
• Preferred: postgraduate degree in Business Administration, Accounting or Finance, or completion of a major-bank credit training program.

What we offer

• The salary range for this position is 110k $- 125k $

About us

We are the leading banking group in Italy and one of the Top Tier in Europe. Join us and be part of our successful story!

With over 20 million customers in Italy and abroad, we are a true engine of sustainable growth, with a strong commitment to the environment and a tangible impact on society. People are our driving force. We take care of them and foster an inclusive culture where everyone feels valued and empowered.

The Chief Lending Officer area oversees the Group’s credit model, ensuring its quality and effective operation. It operates through an integrated governance model, combining a cross-functional approach with specialized activities in lending, credit management and risk prevention, striking a balance between regulatory compliance, credit quality and overall Group performance.

Join an international and innovative Group. Don't wait for the future, choose it!

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We guarantee an inclusive and equal environment. We will consider all applicants regardless of race, religion, sexual orientation, gender identity, marital status, national origin, age, disability, or any other protected category in compliance to D.lgs. 198/2006, 215/03 and 216/03.

For the evaluation of the application, the data will be processed by Intesa Sanpaolo S.p.A.as Data Controller. We invite you to review the dedicated Privacy Information Notic e for more details.