Credit Risk Analyst: Financial Spreading & Analysis

Citi; San Pedro Garza García; Presencial; MXN 450.000 - 650.000; Jornada completa

Descripción de la vacante

Citi in Mexico City area is seeking a Credit Risk Analyst to assist in analyzing and spreading financial statements for complex credits in line with GAAP and Citi policies. You will provide concise risk assessments, prepare cash flow and coverage analyses, and coordinate with Credit Officers, Analysts, and Relationship Managers to ensure accurate underwriting and timely decisioning.

The role requires accuracy, attention to detail, and knowledge of banking regulations.

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 business and individual tax returns on a timely basis and in accordance with 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.
• Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements).
• 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.

Conocimientos

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Educación

Bachelor’s/University degree

Lic. Económico Administrativo

Herramientas

Spreading software

Descripción del empleo

Citi in Mexico City area is seeking a Credit Risk Analyst to assist in analyzing and spreading financial statements for complex credits in line with GAAP and Citi policies. You will provide concise risk assessments, prepare cash flow and coverage analyses, and coordinate with Credit Officers, Analysts, and Relationship Managers to ensure accurate underwriting and timely decisioning.

The role requires accuracy, attention to detail, and knowledge of banking regulations.