Senior Credit Analyst Associate

Intesa Sanpaolo Group • New York, NY

3d • $110,000 - $125,000

About The Position

The Senior Credit Analyst Associate will join the Credit Officer International Network within the Corporate and Investment Banking Division at the New York Hub. The role independently assesses corporate credit proposals, safeguards portfolio credit quality, applies the Bank’s credit policies and delegated lending authorities, and provides clear recommendations to relevant decision-making bodies. Knowledge of structured finance and project finance fundamentals is considered an asset.

The position involves analyzing and validating financial information, assessing creditworthiness and transaction structures, documenting credit opinions, supporting approval decisions, and monitoring portfolio developments. The salary range is $110,000–$125,000.

Requirements

• 3–5 years of relevant credit analysis experience.
• In-depth knowledge of credit analysis, underwriting, and credit risk management.
• Financial statement analysis and projection modelling, including liquidity, leverage, and sensitivity assessment.
• Knowledge of U.S. GAAP and IFRS accounting principles.
• Knowledge of secured and unsecured loan documentation, guarantees, collateral, and financial covenants.
• Knowledge of U.S. capital markets, syndicated loans, distressed debt, banking regulation, workouts, and bankruptcy fundamentals.
• Proficiency in Microsoft Excel and Word.
• Undergraduate degree in Finance, Accounting, Economics, or a related field.

Nice To Haves

• Knowledge of the fundamentals of structured finance and project finance transactions.
• Postgraduate degree in Business Administration, Accounting, or Finance, or completion of a major-bank credit training program.

Responsibilities

• Analyze corporate credit proposals originated by business units.
• Validate historical financial data from annual reports, Forms 10-K and 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior