Meet BAC Credomatic | Senior Credit Analyst

BAC is much more than a bank.

It is an organization that reimagines banking to generate prosperity within communities, integrating sustainability into its strategy through its Triple Positive Value approach: economic, social, and environmental.

With a regional outlook and a strong commitment to inclusion and equity, BAC fosters the holistic development of its people and promotes a culture where professional growth and positive impact go hand in hand.

During Speed Dating de Talento – Costa Rica, BAC will open conversations with finance professionals interested in strengthening portfolio quality and corporate credit analysis in the Guanacaste region.

📍 Sheraton Hotel, San José
🗓️ March 13

Role Purpose

As a Corporate Credit Analyst III, you will be responsible for executing financial analysis and projections that support credit decisions for the assigned corporate portfolio, ensuring a balance between commercial growth and prudent risk management.

Your objective will be to contribute to maintaining a solid, profitable portfolio aligned with regulatory standards.

Key Responsibilities

• Comprehensive Portfolio Assessment

Analyze the credit quality of corporate clients through financial statement processing, regulatory risk classification, and preparation of Credit Memorandums.

• Financial & Sector Analysis

Understand each client’s business model, competitive positioning, and economic environment, evaluating risk exposure and financial sustainability.

• Financial Modeling & Projections

Develop cash flow projections, build financial scenarios, and conduct sensitivity analyses to anticipate potential risks or required actions.

• Technical Documentation & Reporting

Prepare reports within internal systems such as InfoBAC and other organizational models, ensuring traceability and consistency in credit documentation.

• Monitoring of Watchlist / Problem Loans

Support the monitoring of loans showing warning signs or deterioration, documenting findings and recommending action plans.

What We’re Looking For

✔ Bachelor’s degree in Economics or Accounting
✔ 3–5 years of experience in corporate credit analysis
✔ Knowledge of credit risk management and prudential regulation
✔ Experience in profitability and financial viability analysis
✔ Strong ability to model cash flows and evaluate financial scenarios

We Particularly Value:

• Strong analytical rigor
• Ability to balance commercial judgment with risk management
• Structured thinking with a regulatory mindset

What BAC Offers

• Private health insurance
• Employee solidarity association
• Additional paid leave days
• Preferential financial benefits
• Agreements with universities, gyms, and healthcare centers
• Corporate volunteering opportunities
• And more

BAC promotes an inclusive, diverse, and equitable workplace culture, encouraging all individuals to apply and become part of a team that values talent in all its forms. We look forward to meeting you.

If you would like to learn more about BAC’s Triple Positive Value strategy and how they are building a more sustainable and inclusive banking model, click here.