Credit Analyst

About the RoleUniCredit’s New York office is seeking a highly motivated candidate to join its Business Credit Analysis team. The role offers exposure to a broad range of corporate lending and financing transactions, with responsibility for performing in-depth credit analysis, supporting transaction structuring, and monitoring a diverse portfolio of corporate clients.This is an excellent opportunity to join an international banking platform and work closely with senior coverage bankers, product partners, risk management teams, and European colleagues on complex credit transactions involving large corporates and multinational clients.Key Responsibilities:Perform comprehensive credit analysis of corporate clients, including financial statement analysis, cash flow assessment, industry research, peer benchmarking, and risk evaluationPrepare and run five-year integrated financial and cash flow projection models to assess liquidity, debt repayment capacity, leverage metrics, and downside stress scenariosPrepare credit applications, annual reviews, amendments, waivers, and other approval materials for internal credit and investment committeesAnalyze transaction structures, term sheets, and financing documentation to identify key risks and structural considerationsMonitor an assigned portfolio of corporate borrowers and proactively identify emerging credit risks, rating implications, and potential risk mitigation actionsConduct ongoing industry and market research to assess sector trends, competitive dynamics, and macroeconomic developments impacting credit qualityPartner closely with coverage bankers and product teams to evaluate new business and financing opportunitiesPrepare clear, concise written credit recommendations and present findings to senior stakeholders and credit committeesDemonstrate interest in leveraging technology and data-driven tools to enhance analysis and efficiency, including AI applications, workflow automation, and reporting solutionsQualifications:Minimum 3–5 years of relevant corporate credit analysis experience within a commercial bank, corporate bank, investment bank, or other financial institutionStrong knowledge of accounting, financial statement analysis, credit underwriting, cash flow analysis, and corporate financeAdvanced financial modeling skills with the ability to run and analyze forecasting, leverage, liquidity, and stress-testing models independentlyBachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CFA, or formal credit training program is a plusAdvanced proficiency in Excel and PowerPoint; experience with Bloomberg, Capital IQ, Refinitiv, or similar financial information platformsExperience with Power BI, Power Automate, and other data analytics or automation tools is highly desirableDesirable but not essential is a working understanding of 1FP ModelingStrong analytical, writing, presentation, and organizational skills with the ability to manage multiple priorities in a fast-paced environmentTeam-oriented, proactive, and intellectually curious, with strong attention to detail and sound judgmentCompensation:The reasonably estimated yearly salary for this role at UniCredit is: $100,000-$165,000Generous and competitive benefits packageInternal mentor and buddy program cross-departmentallyFriendly and inclusive workplace culture401(k) plan and match#EmpowerCommunitiesToProgressOur Purpose is to provide communities with the levers to progress by ensuring the highest ESG standards across our bank. We help our clients towards a just and sustainable transition and promote financial and social inclusion. Furthermore, we offer our people the opportunity to dedicate a working day to volunteer initiatives. To support the causes you believe in and care about, UniCredit grants you one day of paid leave a year.