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International Senior Credit Risk Specialist I, South Bend, IN (On-Site)
Job
1st Source Bank
South Bend, IN (In Person)
Full-Time
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Job Description
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. 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. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.