Credit Analyst (Admissions)

Banco Sabadell•Miami, FL

117d

About The Position

Banco Sabadell is seeking a Credit Analyst to join a dynamic team at one of Florida’s fastest-growing banks. The role analyzes corporate and project finance transactions in the Americas and prepares executive summaries and credit presentations for the Credit Department, Lending Officers, and Loan Committee. The analyst independently evaluates credit quality, borrower and guarantor financial condition, repayment sources, projections, profitability, collateral, risks, and mitigating factors, and makes supportable credit recommendations. The position also supports lending teams with credit applications, loan structuring, industry research, and policy guidance, while managing loan-request workflows and preparing annual loan reviews.

Requirements

Minimum 5–7 years of relevant experience as a credit analyst in corporate banking.
Experience analyzing syndicated corporate loan proposals.
Bachelor’s degree or equivalent, preferably in Finance, Accounting, Business Administration, or a related field.
Bilingual proficiency in English and Spanish.
Experience and thorough understanding of corporate banking and lending to large corporations, lines of credit, loan structuring, and underwriting.

Nice To Haves

Experience analyzing Project Finance and/or structured loan proposals.
Knowledge of project finance.

Responsibilities

Analyze risk elements of corporate and project finance transactions in the Americas and present written executive summaries to Credit Department management.
Independently prepare high-quality credit analyses addressing business rationale, key risks, repayment sources, projections, returns, and profitability.
Assess and diligence credit requests independently and make justifiable credit recommendations.
Prepare timely written credit presentations that comply with Corporate Loan Policy, note all exceptions, and follow established guidelines for use in lending decisions.
Oversee maintenance of credit quality and provide feedback to business units to support complete and consistent credit applications.
Guide Lending Officers as needed to ensure compliance with internal standards and policies.
Review, spread, analyze, and comment on borrower and guarantor tax returns, financial statements, credit, overall financial condition, cash flow, repayment sources, viability, operations, collateral, risks, and mitigating factors.
Request additional information when warranted.
Prepare annual loan reviews as directed by the Credit Department Manager and within established guidelines and timeframes.
Address critical issues and potential conflicts candidly, professionally, and promptly.
Manage workflow by prioritizing loan requests and determining the required level of analysis for approval.
Recommend loan structures based on the industry and requested loan type.
Communicate with Lending Officers, make suggestions, research industries, and provide information to help lenders present credits for decisions.