Financial Institutions - Credit Risk Analyst

Citi; Norte; Presencial; COP 147.792.000 - 221.689.000; Jornada completa

Descripción de la vacante

A global financial institution in Colombia is seeking a Credit Senior Analyst. The role involves analyzing complex financial statements, coordinating with credit teams, and providing analytics on client creditworthiness. Ideal candidates should possess strong communication skills in English and 2-5 years of experience in credit analysis, alongside an understanding of GAAP and financial regulations. This full-time position will play a crucial role in managing credit risk and compliance, making a significant impact within the team.

Formación

• 2-5 years previous experience in a financial institution focused on credit analysis.
• Extensive knowledge of GAAP accounting and financial regulations.
• Required strong analytical and communication skills.

Responsabilidades

• Conduct analysis of complex financial statements and business tax returns.
• Coordinate with Credit Officers and Analysts for loan agreement clarifications.
• Review application packages to ensure thorough analysis.
• Act as an advisor for loan covenants and assessments.

Conocimientos

Strong English communication skills

Analytical Thinking

Financial Analysis

Risk Identification and Assessment

Understanding of GAAP

Educación

Bachelor’s/University degree or equivalent experience

Herramientas

Credit analysis software

Descripción del empleo

The Credit Senior Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Responsibilities

• Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).
• Provide succinct analysis based on customers, peers, the portfolio, and the industry.
• Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
• Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
• Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.
• Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting.
• Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the
• Application Preparation Team Manager.
• May act as an industry specialist with responsibility for SBA/EXIM loan analysis
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications

• Strong English communication skills required (verbal and written)
• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

Education

• Bachelor’s/University degree or equivalent experience

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Most Relevant Skills: Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter.

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