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Vale Group, a nationwide specialized recruitment firm, has partnered with a financial institution who is actively searching for an experienced Senior C&I Credit Analyst to work remote or onsite based on preference (Florida residents only; Southeast Florida preferred) for an opportunity paying up to $150k annually (base) plus discretionary bonus, based on experience and credentials. This position strengthens the middle-market C&I underwriting function within a commercial credit team and supports deal activity across Southeast Florida (mostly domestic, some international). The role focuses on underwriting and portfolio oversight for complex commercial borrowers, including larger middle-market transactions, while partnering closely with relationship and credit leadership to evaluate risk, structure terms, and support timely approvals. The selected candidate must be available to report onsite in West Palm Beach for the first 1–2 weeks for training.
Requirements of the Senior C&I Credit Analyst:
● 10+ years of progressive commercial credit experience with strong C&I / middle-market underwriting exposure
● Experience supporting deal sizes in the $50MM–$250MM range, including new originations and renewals
● Bachelor’s degree in Finance, Accounting, Economics, or a related field preferred
● Strong knowledge of financial statement analysis, cash flow, leverage, liquidity, and repayment capacity assessment
● Experience completing customer risk ratings and AML risk ratings within a bank credit framework
● Background at a regional bank strongly preferred; prior large-bank experience considered a plus
● Strong written communication skills with the ability to produce decision-ready credit approval narratives
● Proficiency with nCino or similar commercial lending workflow platforms
Responsibilities of the Senior C&I Credit Analyst:
● Underwrite and analyze middle-market C&I credit requests including new deals, renewals, amendments, and ongoing monitoring
● Prepare comprehensive credit packages including spreads, narratives, risk identification, and approval recommendations
● Evaluate borrower performance through financial analysis, cash flow assessment, and sensitivity/repayment considerations
● Partner with lending and credit stakeholders to support structuring decisions, risk mitigants, and approval timelines
● Complete and maintain customer risk ratings and AML risk assessments in accordance with internal requirements
● Support portfolio monitoring activities including covenant tracking, variance analysis, and ongoing reporting review
● Utilize nCino to manage workflows, documentation, and credit file accuracy
● Support as needed
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