Credit portfolio analyst ii (citi)
the credit portfolio analyst ii is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the risk management team. The overall objective of this role is to manage citi's portfolio exposure to clients and counterparties globally.
responsibilities:
* conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
* prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
* escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and citi's risk appetite
* assist with portfolio review preparation and conducting stress tests
* build working relationships with various teams across the bank, including deal, coverage and product teams
qualifications:
* 0-2 years of experience in credit risk analysis or corporate banking
* experience in financial analysis, accounting and valuation
* knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
* consistently demonstrate clear and concise written and verbal communication
* proven ability to work with little direction and in a team
* demonstrated accountability, self-motivation and business acumen
education:
* bachelor's degree/university degree or equivalent experience
* job family group: risk management
* job family: credit & portfolio risk management
* time type: full time
citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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credit portfolio senior analyst
the credit portfolio senior analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the risk management team. The overall objective of this role is to manage citi's portfolio exposure to clients and counterparties globally.
responsibilities:
* develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
* utilize statistical analysis system (sas) in a unix environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
* research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
* participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
* manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
qualifications:
* 5-8 years of relevant experience
* knowledge of commercial risk analytics
* demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
* proven ability to remain organized in a fast-paced environment, managing multiple projects
* proven interpersonal, organizational and analytic skills
education:
* bachelor's degree/university degree or equivalent experience
* experience in risk consumer at least 3 years and 5 in financial institutions
* intermediate english level to be able to communicate clear ideas
* carrers related to actuary, mathematics, economy, finance, engineering
* experience in unsecured & secured portfolios
* general knowledge about credit cycle (cross sell, credit initiation, program maintenance, collections and frauds).
job family: risk management
time type: full time
citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
view the eeo is the law poster. View the eeo is the law supplement.
mexico credit risk officer (bank of america)
hoy
at bank of america, we are guided by a common purpose to help make financial lives better through the power of every connection. This includes our commitment to being an inclusive workplace and delivering for clients, teammates, communities and shareholders every day.
bank of america is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
gcib credit performs a key role in the mexico business for bank of america. It is responsible for the credit analysis and underwriting of credit risk for all products accessed by local clients in mexico, and in addition, owns and manages the end-to-end process for global loan products (glp).
responsibilities:
* be an active member of deal teams and engage proactively with relationship and product partners
* analyze clients’ businesses, their financial statements and due diligence materials
* prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes
* perform ongoing monitoring of clients and information flow associated with the portfolio
* supervise and provide developmental oversight to analysts
* identify and escalate emerging risks
* review various legal documents for relevant credit products
* credit officers will also, on occasion, participate in client meetings
requirements:
* fluent english (spoken & written)
* minimum 6 years of experience in banking and finance or related field
* sound commercial judgment and strong business acumen
* knowledge of credit products including loans, derivatives, trade finance, cash management
* ability to analyze financial statements, conduct due diligence and prepare credit proposals
* experience analyzing investment and sub-investment grade credit profiles and structures
* proactive - takes initiative and demonstrates ownership
* strong technical skills, including accounting and modeling in excel
* strong written and verbal communication skills in english
* capability to build relationship both within the bank and with clients
* demonstrates intellectual curiosity and is focused on continuous learning and skill building
* ability to work independently and manage multiple complex tasks while delivering high quality results
senior financial analyst - credit risk
hoy
as a credit underwriter, you will be responsible for reviewing and processing client credit applications. Your primary goal will be to make sound credit-granting decisions while adhering to company policies and procedures.
you will interact with merchants, sales representatives, senior underwriters, and management to achieve timely adjudication of applications and minimize risk exposure. This includes verifying merchant information, analyzing financial data, and assessing creditworthiness.
the ideal candidate will possess advanced proficiency in all underwriting processes and policies, as well as strong analytical and communication skills. A bachelor's degree in finance or accounting, along with at least 4 years of relevant experience in credit, risk, or equivalent fields, is required.
as a credit underwriter, you will be responsible for reviewing and processing client credit applications. Your primary goal will be to make sound credit-granting decisions while adhering to company policies and procedures.
you will interact with merchants, sales representatives, senior underwriters, and management to achieve timely adjudication of applications and minimize risk exposure. This includes verifying merchant information, analyzing financial data, and assessing creditworthiness.
the ideal candidate will possess advanced proficiency in all underwriting processes and policies, as well as strong analytical and communication skills. A bachelor's degree in finance or accounting, along with at least 4 years of relevant experience in credit, risk, or equivalent fields, is required.
key responsibilities
* risk calculation approval limit: ensure that risk calculations align with company credit policy.
* industry knowledge: stay up-to-date on industry standards, corporate operations practices, and regulatory requirements.
* merchant verification: verify merchant information, including financial statements, tax documents, and trade experiences.
* advanced analysis: perform advanced analysis of credit reports, financials, and other documentation to make informed credit decisions.
requirements
* bachelor's degree in finance or accounting
* at least 4 years of experience in credit, risk, or equivalent fields
* advanced knowledge of industry standards, corporate operations practices, and regulatory requirements
* strong analytical and communication skills
preferred qualifications
* financial analysis experience: applied to corporate accounts, high-risk products, and platforms
* multiregional position experience: ability to work across regions, preferably latam
* advanced judgment: ability to make complex credit decisions
benefits
* monthly gross salary: $24,000 mxn
* hybrid scheme: 3 days in office, 2 days remote
* location: santa fe, cdmx
global payments inc. is an equal opportunity employer.
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