Credit Risk Lead - Underwriting & Strategy

Citigroup Inc.; Ciudad de México; Presencial; MXN 900.000 - 1.200.000; Jornada completa

Descripción de la vacante

Citigroup Inc. in Mexico City is seeking a Credit Officer 3 to support underwriting for commercial credit extensions, analyze financial statements, and advise on risk and compliance. You will coordinate with bankers and lenders to ensure sound credit decisions.

The role requires strong analytical skills, experience with cash flow analysis, and a solid grasp of credit policies. You will mentor junior officers and contribute to process improvements while upholding Citi's risk controls and

Formación

• Bachelor’s/University degree; Master’s degree preferred.
• Demonstrated ability to read and assess financial statements, cash flow, and projections.
• Excellent organizational and communication skills; attention to detail.

Responsabilidades

• Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
• Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
• Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
• Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
• Perform industry and geographical research and other due diligence as needed.
• Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
• Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
• Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
• Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
• Other duties as required to support business unit and company goals.
• 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.

Conocimientos

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Communication Skills

Educación

Bachelor’s/University degree

Master’s degree preferred

Herramientas

Excel

Descripción del empleo

Citigroup Inc. in Mexico City is seeking a Credit Officer 3 to support underwriting for commercial credit extensions, analyze financial statements, and advise on risk and compliance. You will coordinate with bankers and lenders to ensure sound credit decisions.

The role requires strong analytical skills, experience with cash flow analysis, and a solid grasp of credit policies. You will mentor junior officers and contribute to process improvements while upholding Citi's risk controls and