Banamex Credit Analyst 1 ZAPOPAN

Citigroup; Región Centro; Presencial; MXN 180.000 - 300.000; Jornada completa

Descripción de la vacante

Citigroup in Mexico seeks a Credit Analyst 1 to support financial statement analysis and credit assessments. You will spread financials, assist in loan pricing and structure, and coordinate with Credit Officers and Relationship Managers to ensure thorough, compliant analysis.

The role requires 0–2 years in a financial institution, GAAP knowledge, and intermediate Excel. English proficiency is expected as part of the cross-border team.

Formación

• 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.

Responsabilidades

• Accurately spreads business and personal financial statements and tax returns on a timely basis per GAAP and Citibank policies.
• Provides comments to the judgmental Underwriter on significant items in the financials and may assist with loan pricing and structure.
• Spreads new, renewal and interim financial statements and tax returns per bank guidelines (focus on more complex statements).
• Provide succinct analysis based on customers, peers, the portfolio, and the industry.
• Provide preliminary analysis of simple to complex credits, including cash flow, DSCR, collateral, and guarantor net worth.
• Coordinate with Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
• Act as an advisory role for Credit Officers/Relationship Managers on loan agreement/covenants and monitoring.
• Complete quality assurance reviews to ensure applications are thorough and accurate prior to underwriting.
• May act as an industry specialist with responsibility for SBA/EXIM loan analysis
• Assess risk in business decisions, adhering to laws and Citigroup policies and escalate issues.

Conocimientos

Analytical Thinking

Financial Analysis

Credit Analysis

Risk Management

Governance

Policy & Regulation

Credible Challenge

Financial Reporting

Educación

Bachelor's/University degree or equivalent experience

Lic. en contabilidad, finanzas, ingeniería, economía

Excel intermedio

Inglés Intermedio

Experiencia en análisis crediticio

Experiencia en interpretación de estados financieros

Experiencia en estado de resultados y flujo de efectivo

Experiencia en productos financieros deseable

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
• Lic. en contabilidad, finanzas, ingeniería, economía. o a fin.
• Excel intermedio
• Inglés Intermedio
• Experiencia en análisis crediticio
• Experiencia en interpretación de estados financieros
• Experiencia en estado de resultados y flujo de efectivo
• Experiencia en productos financieros deseable

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

Job Family Group

Risk Management

Job Family

Credit Risk

Time Type

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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