Sr Credit Analyst – Syndication

SUMMARY

This position is embedded within the Syndications team and provides specialized credit expertise to support the origination, distribution, and management of syndicated loan transactions in the U.S. The role is responsible for evaluating primary and secondary loan opportunities, preparing comprehensive credit assessments, and ensuring transactions align with the organization’s risk appetite and policies.

This position requires strong analytical capabilities, familiarity with the syndicated loan market (preferred), and the ability to collaborate closely with internal stakeholders and Credit Department Managers. While the role has no direct supervisory duties, it supports the training and oversight of junior analysts. The individual must be fully proficient in all aspects of credit analysis, exercising sound independent judgment and advanced financial evaluation skills.

All employees are responsible for complying with applicable regulations, including OFAC requirements.

DUTIES & RESPONSIBILITIES

• Prepare detailed credit analysis reports for lending officers and Credit Committees, recommending approval or denial of credit facilities for institutional and corporate borrowers. Responsibilities include:
• Assigning appropriate loan codes.
• Verifying audit levels and financial reporting standards based on internal policy.
• Spreading financial statements and tax returns into the appropriate software.
• Analyzing financial ratios and trends.
• Reviewing peer comparisons and drawing meaningful conclusions.
• Running and analyzing third-party reports (e.g., credit bureau, D&B, rating agencies).
• Conducting background checks using OFAC, LexisNexis, public databases, and online searches.
• Requesting and reviewing credit references from other lenders.
• Confirming collateral positions through county and state public records.
• Preparing written credit analyses that present factual findings and well-reasoned opinions.
• Independently conduct industry research and prepare reports assessing portfolio exposure, sector risk, and market conditions.
• Ensure proposed and existing loans comply with internal credit policy guidelines.
• Provide assistance to Credit Analysts, Credit Managers, Credit Portfolio Managers, and senior credit leadership as needed.
• Participate in and support special projects assigned by Credit Managers or the Chief Credit Officer.
• Maintain ongoing communication with Lending Officers and Credit Department Managers, supporting new loan requests and renewals.
• Assist in training junior analysts, including instruction on financial spreading, ratio analysis, cash flow evaluation, peer comparisons, and qualitative risk assessment.
• Provide analytical and administrative support to Credit Managers, Portfolio Managers, and the Chief Credit Officer.

DESIRABLE EXPERIENCE & SKILLS

• Bachelor’s degree required; majors in business, finance, economics, or related fields preferred. Advanced degrees are a plus.
• Minimum 3–4 years of prior credit training and experience, ideally within syndicated lending, corporate banking, or commercial credit.
• Strong proficiency in Microsoft Word and Excel; high accuracy and attention to detail required.
• Strong analytical skills, with the ability to conduct research, interpret financial data, and communicate findings clearly.
• Excellent written and verbal communication abilities.
• Strong time-management and organizational skills, with the ability to manage multiple transactions simultaneously.
• Fluency in Spanish (spoken and written) is highly desirable.
• Ability to work in a sedentary, computer-based environment for most of the workday; occasional lifting (up to 20 lbs.) may be required.