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Corporate Banking Credit Analyst

The Role

Corporate Banking Credit Analyst at BankUnited, based out of the Fort Lauderdale/Las Olas office. I work with clients in a wide array of industries, including:

1. Healthcare and Social Assistance

2. Professional and Business Services

3. Finance and Insurance

4. Manufacturing

5.    Technology

6. Educational Services (Public and Private)

The Deals

As part of the Corporate Specialty Group, our loans range from $10,000,000 USD to $40,000,000 USD. We ensure our clients’ complex needs are met by offering appropriate facilities, including:

  1. Term Loans
  2. Equipment Financing
  3. Lines of Credit
  4. Commercial Cards

The Duties

1.     Financial Analysis: Analyzing the financial statements of clients and prospects, including income statements, balance sheets, and cash flow statements. This involves performing ratio analysis, trend analysis, and other types of financial analysis.

2.     Risk Assessment: assessing the risk associated with giving loans to corporate clients, which involves examining the client's industry, competition, market position, and other risk factors.

3.     Credit Rating: assigning a credit rating to each client using Moody’s CreditLens. This rating reflects the client's creditworthiness and helps determine whether the bank should extend credit to the client and under what terms.

4.     Loan Structuring: assisting credit officers in structuring loans or credit lines to ensure meeting both the client's needs and the bank's risk guidelines. This includes setting interest rates, repayment schedules, and other terms.

5.     Research and Reporting: keeping abreast of economic and industry trends that may affect clients' creditworthiness, done through writing detailed reports outlining analyses and credit decisions using IBISWorld.

6.     Portfolio Management: monitoring and periodically reviewing the creditworthiness of existing clients. This involves analyzing updated financial statements, tracking repayment history, clearing ticklers, and ensuring compliance with loan covenants.

7.     Compliance: ensuring that all credit processes and decisions comply with relevant laws and regulations.

8.     Client Interaction: communicating with clients to gather information, answer questions about credit decisions, and negotiate loan terms. Also includes working closely with other banking professionals, such as credit officers and relationship managers.

The Geography

With BankUnited being the largest bank headquartered in Florida, many of our clients call the "The Sunshine State" home.

Another major market is the New York, New Jersey, and Connecticut tri-state area, thanks to a substantial “Non-Profit Organization Finance” practice

The Bank is also expanding into new and promising markets, with special mention to Atlanta and Dallas.

Tools & Technologies

In the capacity of this role, the following software and tools are employed:

  • Excel for modeling and general finance tasks
  • Moody's Analytics CreditLens for spreading financials and risk rating
  • LexisNexis for comprehensive research and analysis
  • Proprietary bank software for clearing ticklers, testing covenants, and more