Banamex Analista de Crédito Banca Empresarial

Citi; Naucalpan de Juárez; Presencial; MXN 50,000 - 200,000; Jornada completa

Descripción de la vacante

Una institución financiera global busca un Analista de Crédito 1 para desarrollar y aplicar conocimientos en el monitoreo y análisis de procesos y datos. Las responsabilidades incluyen analizar declaraciones financieras, proporcionar análisis de créditos y coordinar con oficiales de crédito. Se requiere una licenciatura y experiencia en análisis financiero, así como conocimientos de contabilidad y regulaciones. El puesto está basado en Naucalpan de Juárez, estado de México.

Formación

• 0-2 años de experiencia previa en una institución financiera con enfoque en análisis de crédito.
• Amplio conocimiento de GAAP, regulaciones financieras, productos financieros y análisis de crédito.
• Habilidad para analizar estados financieros personales y de negocios.

Responsabilidades

• Analizar declaraciones financieras y declaraciones de impuestos tanto empresariales como personales.
• Proporcionar análisis preliminares de créditos.
• Actuar como especialista de la industria en análisis de préstamos.

Descripción del empleo

The Credit Analyst 1 is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.

Responsibilities

• Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies.
• Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool.
• Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing. Additional responsibilities may include being a specialist for a designated industry and the effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications.
• Spread new, renewal and interim financial statements and business and 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.
• 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

• 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software.
• Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.
• Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.

Education

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Funciones del puesto y principales tareas

• Revisar la información financiera de las empresas para hacer análisis sobre tendencias, comportamiento de deuda.
• Analizar la industria, el giro, actividad para plasmarlo en un estudio de crédito
• En si, la actividad principal es realizar análisis de crédito para el otorgamiento de crédito a las empresas.

Requisitos indispensables

• Licenciatura terminada.
• Experiencia en temas contables.
• Ingles intermedio - avanzado

Requisitos deseables

• Experiencia en temas contables para internos.

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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