Analista de Autorizacion de Credito Hipotecario

3M HEALTHCARE; Metepec; Presencial; MXN 180.000 - 240.000; Jornada completa

Descripción de la vacante

The Credit Maintenance Analyst at Citi is an entry level role focused on capturing and recording data related to credit exposure, obligors and facilities in relevant credit systems, in coordination with the Operations - Services team.

The position emphasizes data quality, monitoring credit exposure, and adherence to Citi’s credit policies while supporting audits and reporting for internal and external stakeholders.

Formación

• Bachelor’s degree or equivalent experience required.
• Experience in credit operations or a similar role.
• Familiarity with internal systems and processes.
• Proficient in Microsoft Office, Project, and Windows domain.
• Ability to work in a team-oriented environment.
• Knowledge of credit interpretation and documentation processes.

Responsabilidades

• Process incoming credit requests, reviewing for completeness and accuracy.
• Analyze credit reports and coordinate action plans and related defects.
• Maintain executive documents tracking requests and changes on credit reports.
• Prepare weekly and monthly audit reports and support audit ratings.
• Prepare portfolio information for internal and external auditors.

Conocimientos

Credit analysis

Analytical thinking

Teamwork

Microsoft Office

Microsoft Project

Educación

Bachelor’s degree or equivalent experience

Herramientas

ADMWIN32

ONDEMAN

PREST

BROWSE

Cronos

Excel

Descripción del empleo

The Credit Maintenance Analyst is an entry level position responsible for capturing and recording data related to credit exposure, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to maintain data quality in credit systems, monitor credit exposure and adhere to overall credit policies.

Responsibilities

• Process incoming credit requests reviewing for completeness/accuracy, and convert to concise, accurately recorded credit facilities.
• Analyze/evaluate credit reports as well as coordinate and follow up on action plans, implementations, and related defects.
• Maintain an executive document to track all requests, changes, and action plans performed on credit reports.
• Prepare weekly and monthly audit reports and contribute to achieving acceptable audit ratings.
• Prepare portfolio and related credit information for internal and external auditors.
• Make evaluative judgments based on the analysis of factual information.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and guided by precedence.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citi, 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

• Relevant experience required.
• Experience in credit operations or similar position.
• Knowledge of the processes, procedures and systems.
• Proficient computer skills with a focus on Microsoft Office, Microsoft Project, and Windows domain.
• Ability to work in a team-oriented environment.
• Bachelor’s degree/University degree or equivalent experience.

Funciones

• Análisis y Dictaminación de créditos Hipotecarios ingresados por sucursal o bien Canales Brokers.
• Interpretación de buro de crédito.
• Validación de candados de seguridad de Identificación, comprobantes de domicilio y comprobantes de ingresos tales como son Estados de cuenta, Recibos de nómina, cuestionarios médicos, ingresos.
• Interpretación de declaraciones anuales, estados financieros.
• Determinar la línea de crédito.
• Revisión de Documentación Etapa 1 Crédito Hipotecario.

Requisitos

• Experiencia en Interpretación de Búro de Crédito avanzado (Indispensable).
• Conocimiento en sistemas internos ADMWIN32, ONDEMAN, PREST, Y BROWSE.
• Experiencia en análisis de créditos (Análisis de ingresos Asalariados, personas físicas y morales, actas constitutivas, interpretación de testimonios de escrituras).
• Experiencia en base de datos.
• Experiencia en revisión de documentos.
• Experiencia en sistema Cronos.
• Habilidades de Captura/Análisis de Información.
• Manejo de paquetería Offices.
• Conocimiento en interpretación de Buro de Crédito, Análisis de ingresos Asalariados, personas físicas y morales.
• Experiencia en dictaminación de créditos.
• Experiencia en manejo de expedientes, conocimiento en ingresos: recibos, edos de cuenta e interpretación de buro de credito y estados financieros (Indispensable).

Horario: L-V de 9 a 6 / disponibilidad de horario y cambio de horario cuando sea requerido. Zona de Trabajo: Metepec/Pedro Ascencio.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.