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The Role
Perform advanced credit analysis of domestic and international commercial loan transactions. Evaluate foreign and domestic financial statements, model repayment capacity, assess sovereign and FX risk, value collateral, prepare written credit recommendations, conduct periodic portfolio reviews, and communicate findings to stakeholders while ensuring regulatory and policy compliance.
Summary Generated by Built In
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.
Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis 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.
Skills Required
- Minimum five (5) years of experience in commercial credit analysis, financial analysis, banking, or related field, preferably with international exposure
- Bachelor's Degree in Accounting, Finance, Business Administration, or a closely related field
- Portuguese language proficiency
- Spanish language proficiency
- Proficiency in Microsoft Excel and Word, including advanced data analysis capabilities in Excel
- Demonstrated ability to analyze complex domestic and foreign financial statements prepared under varying accounting standards
- Experience with quantitative financial modeling, ratio analysis, and credit risk assessment techniques
- Knowledge of foreign exchange exposure, sovereign/country risk, and international economic and political risk factors
- Ability to prepare comprehensive written credit analyses and present findings to internal stakeholders and senior management
- Ability to assess adequacy and valuation of collateral, including assets in foreign jurisdictions
- Ability to travel occasionally, including overnight travel
- Complete all required compliance and regulatory training
- Strong written and verbal communication skills
1st Source Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about 1st Source Bank and has not been reviewed or approved by 1st Source Bank.
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Healthcare Strength — Health insurance, prescription coverage, and full coverage for preventive care and certain screenings are described as available. Dental and vision coverage, telemedicine, maternity support programs, and tobacco cessation offerings add breadth to the health package.
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Retirement Support — A 401(k) plan is described as available with both Traditional and Roth savings options, alongside HSAs for eligible expenses. Life, accident, and disability protections are also described as part of the broader financial security offering.
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Wellbeing & Lifestyle Benefits — Wellness programs such as weight-loss support and other wellbeing initiatives are described as available, sometimes at no extra cost to eligible members. Financial wellness workshops and planning resources are also described as offered.
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The Company
What We Do
Founded in 1863 in South Bend, Indiana, 1st Source Bank has offered clients a convenient and friendly way to bank for over 155 years. At 1st Source, we listen to our clients, understand their needs and always keep their best interests in mind. 1st Source Bank remains the largest locally controlled financial institution headquartered in the northern Indiana-southwestern Michigan area. We operate banking centers across our region, boast 1st Source Bank Specialty Finance Group locations nationwide, as well as several Wealth Advisory Services locations and 1st Source Insurance offices. We deliver a comprehensive range of banking services along with highly personalized attention to our clients, both individuals and businesses. Our mission is to help our clients achieve security, build wealth and realize their dreams. Additionally, for over 155 years, 1st Source Bank has been giving back to our communities to actively help build good places to live, work and raise our families. This service to our community is one of our principal values and has defined who we are and how we do business. Member FDIC | Equal Housing Lender
