Risk Underwriter - Financial Services

Siemens; Xico; Presencial; MXN 800,000 - 1,000,000; Jornada completa

Descripción de la vacante

A leading global financial services firm in Veracruz is seeking an Underwriter to process large and mid-ticket transactions. This position requires at least 7 years of credit underwriting experience, strong analytical skills, and the ability to work independently. The successful candidate will analyze financial information, prepare credit reports, establish lending limits, and support sales efforts. Bilingual proficiency in Spanish and English is preferred for this role.

Formación

• Minimum of 7 years of credit underwriting experience in a commercial environment.
• Ability to work independently and make confident lending decisions.
• Solid knowledge of compliance requirements for SOFOMs in Mexico.

Responsabilidades

• Gather information for finance transactions and analyze customer financial data.
• Prepare Credit and Risk Rating Reports and establish customer borrowing limits.
• Support sales colleagues and maintain data integrity and compliance.

Conocimientos

Credit underwriting experience

Strong interpersonal skills

Technical writing skills

Knowledge of fraud prevention techniques

Educación

BA or BS degree in finance or business

Descripción del empleo

The Risk Management group of Siemens Financial Services-Commercial Finance is seeking an Underwriter to process large and mid-ticket transactions.

The position will primarily support the Vendor Industrial business and Siemens HC transactions.

The primary function of the position is to prepare rating and lending reports in support of new business.

The position reports to the Chief Risk Officer located at the SFS Mexico, City office.

The essential job functions are as follows :

• Gather information from (prospective) customers and industry sources with respect to proposed finance transactions, including but not limited to Credit Report Bureau, Credit References, D&B and personal credit reports.
• Review and analyze customer financial information, account statements and tax returns.
• Prepare Credit and Risk Rating Reports for proposed transactions.
• Establish customer borrowing limits and structure higher risk transactions, as needed.
• Facilitate the onboarding and approval of new vendor accounts.

Responsibilities

• Analyze large and mid-ticket transactions.

Analysis will include financial assessment and risk rating, debt capacity analysis, business model assessment, business plan analysis, risk analysis, impact of document negotiations upon risk, and other analysis as the transaction dictates.

• Review and interpret external rating agency reports.
• Spread and analyze customer financial statements.
• Prepare Credit and Risk Rating Reports.
• Conduct in person and phone credit due diligence.
• Familiarity with local regulatory framework sand compliance requirements for SOFOMs in Mexico.
• Interact with and support sales colleagues and management.

Work closely with Compliance and Legal Department on documentation issues.

• Help and complete tasks and project as needed and as the Risk Department may require.
• Maintain data integrity and compliance with company policies and procedures.
• Communicate credit decisions to internal and contacts.

Required Knowledge / Skills, Education, and Experience

• BA or BS degree in finance, business or a related field
• Minimum of 7 years of credit underwriting experience in a commercial (non-consumer) environment in Industrial and Health Care markets.
• Ability to work independently and to make logical and confident lending recommendations and decisions.
• Strong interpersonal / communication skills and ability to develop and maintain good internal and external customer relationships.
• Strong technical writing skills.
• Solid knowledge of fraud prevention techniques

Ability to present information in a concise, logical manner to support credit decisions and recommendations to senior management.

Travel requirement is less than 50%.

Preferred Knowledge / Skills, Education, and Experience

• Formal training in Lending / Cash Flow.
• Experience in negotiating terms and conditions of transactional documents.
• Languages :
• Spanish-Native or Bilingual Proficiency
• English
• Professional working proficiency