International Senior Credit Risk Specialist I, South Bend, IN (On-Site)

POSITION SUMMARY

Responsible for performing advanced and specialized credit analysis of domestic and international loan transactions for current and prospective customers. This role requires the application of theoretical and practical knowledge in finance, accounting, and international credit risk analysis to evaluate financial condition, repayment capacity, and overall creditworthiness.

The position focuses on cross-border lending and international customer portfolios, including the analysis of foreign financial statements, economic conditions, and country-specific risks. Exercises independent judgment and discretion in evaluating complex financial information and recommending credit decisions.

ESSENTIAL REQUIREMENTS

• Performs in-depth analysis of complex commercial and international credit transactions, including new loan requests, renewals, and modifications.
• Analyzes financial statements (domestic and foreign), including balance sheets, income statements, and cash flow statements prepared under varying accounting standards.
• Evaluates credit risk associated with international customers, including foreign exchange exposure, sovereign/country risk, political and economic conditions, and cross-border legal considerations.
• Conducts quantitative financial modeling and ratio analysis to assess repayment capacity and financial stability.
• Reviews and interprets credit reports, third-party financial data, and industry research to support credit recommendations.
• Assesses adequacy and valuation of collateral, including assets located in foreign jurisdictions.
• Prepares comprehensive written credit analyses and recommendations for approval, demonstrating clear rationale and risk assessment.
• Communicates credit decisions and findings effectively to internal stakeholders, including sales teams and senior management.
• Maintains and performs periodic reviews of existing credit relationships, identifying changes in risk profile.
• Conducts industry and regional research, particularly for international markets in which customers operate.
• Collaborates with Senior Credit Analysts and management on complex or high-risk credit relationships.
• Ensures compliance with all applicable banking regulations, credit policies, and risk management standards.
• Regular and predictable attendance is an essential function of the position.
• Complete all required compliance and regulatory training.

NON-ESSENTIAL FUNCTIONS

Performs all other duties as assigned.

EXPERIENCE/SKILLS

• Minimum of five (5) years of experience in commercial credit analysis, financial analysis, banking, or a related field, preferably including exposure to international credit or cross-border transactions.
• Demonstrated ability to apply advanced financial and accounting principles to analyze complex financial statements and credit structures.
• Knowledge of international financial reporting considerations, foreign exchange risk, and global economic factors impacting credit risk.
• Strong proficiency in financial modeling, ratio analysis, and risk assessment techniques.
• Ability to exercise independent judgment and discretion in evaluating creditworthiness and making recommendations.
• Strong analytical, problem-solving, and organizational skills with a high degree of accuracy and attention to detail.
• Proficiency in Microsoft Excel and Word, including advanced data analysis capabilities.
• Excellent written and verbal communication skills, including the ability to present complex financial information clearly and concisely.

EDUCATION

Bachelor's Degree in Accounting, Finance, Business Administration, or a closely related field with a concentration in finance or financial analysis is required.

LANGUAGE REQUIREMENTS

Portuguese language proficiency is required to effectively analyze financial documents, communicate with clients, and evaluate credit risk for Portuguese-speaking international customers and markets.

Spanish language proficiency is preferred to support additional international customer relationships.

TRAVEL REQUIREMENTS

Ability to travel to various locations, including occasional overnight travel, as needed for meetings, customer visits, and business-related activities.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.

While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.

EQUIPMENT

Standard office equipment including PC, phone, and Microsoft Office applications.