Credit Analyst

A financial institution is seeking a Wholesale Credit Analyst to help address a growing credit analysis backlog and support the continued development of its credit risk capabilities. This role will analyze borrower financials, assess creditworthiness, and support risk-rating activities within a regulated banking environment.

Title: Credit Analyst

Office Status: Hybrid 1 day remote per week

Pay Rate: $50/hour

Contract Length: Not specified;potential for permanent conversion

ABOUT THE ROLE

A financial institution is seeking a Wholesale Credit Analyst to help address a growing credit analysis backlog and support the continued development of its credit risk capabilities. This role will analyze borrower financials, assess creditworthiness, and support risk-rating activities within a regulated banking environment. Fluency in Portuguese is required, as the majority of documentation and financial statements reviewed by the team are provided in Portuguese.

RESPONSIBILITIES

• Perform wholesale credit analysis and evaluate borrower financial condition and creditworthiness.
• Analyze financial statements, cash flow, debt service coverage, profitability, leverage, and other key credit metrics.
• Review and interpret financial and business documentation received from Portuguese-speaking stakeholders.
• Support credit risk-rating activities and apply appropriate credit risk methodologies.
• Assist with developing and strengthening the team s credit analysis and risk-rating practices.
• Identify key credit risks, trends, and potential areas of concern through financial and qualitative analysis.
• Prepare clear credit analysis and supporting materials for internal review and decision-making.
• Work collaboratively with senior credit professionals and other stakeholders to resolve questions and obtain necessary information.
• Help reduce the existing credit analysis backlog while maintaining accuracy and quality.
• Apply strong attention to detail when reviewing financial information and supporting documentation.

QUALIFICATIONS

• 1 3 years of experience in wholesale/commercial credit analysis.
• Fluent Portuguese speaker;Brazilian Portuguese fluency strongly preferred.
• Strong understanding of financial statement and cash flow analysis.
• Experience evaluating debt service coverage, profitability, leverage, and other credit metrics.
• Knowledge of credit risk-rating methodologies;experience with OCC guidelines is preferred.
• Prior experience within a bank or financial institution preferred.
• Experience within an OCC-regulated institution is a plus.
• Strong analytical, written, and verbal communication skills.
• Ability to work independently while collaborating effectively with a broader credit team.
• Ability to work in a hybrid environment with 1 day per week remote.
• Available to interview in one round and start as soon as possible.
• Potential opportunity for permanent conversion based on performance.