Senior Associate Credit Risk Analyst

Global Payments Inc.; Ciudad de México; Presencial; MXN 420.000 - 640.000; Jornada completa

Descripción de la vacante

Global Payments Inc. is seeking a Credit Analyst to analyze credit data and financial information to determine risk and support informed credit decisions for deals or applications.

The role involves reviewing portfolios for quality assurance, identifying risk, and preparing detailed credit analyses for upper management. You will utilize credit policy frameworks and risk models to assess risk, explain decisions, and ensure adherence to financial plans and SLAs.

Formación

• Bachelor’s Degree in Finance, Accounting, Statistics or Business with analytical focus.
• Typically minimum 2 years relevant experience in finance/accounting or similar position.

Responsabilidades

• Analyzes credit and risk information to propose a credit decision for deals and applications.
• Uses credit policy framework, risk models, and financial information to identify risk exposure.
• Presents credit decisions and terms to stakeholders after review and feedback.
• Assists with preparation of credit analysis and memos for executive approvals.
• Performs due diligence on merchant portfolios to identify high-risk accounts for structuring or exclusion.

Conocimientos

Credit risk analysis

Financial data analysis

Deal term explanation

Educación

Bachelor’s degree in Finance/Accounting/Statistics/Business

Descripción del empleo

Summary of This Role

Analyzes credit data and financial information to determine potential risk and to be able to make informed credit decisions for deals or applications while ensuring adherence to general credit goals and strategy. Reviews portfolios to ensure quality assurance standards are being maintained while identifying and quantifying risk to mitigate exposure on all deals and clients. Prepares detailed credit analyses as needed for upper management regarding credit approvals. Explains decision and terms of approval thoroughly. Adheres to the financial plan and to the service level agreement productivity and efficiency levels.

What Part Will You Play?

• Analyzes credit and risk information (both consumer and commercial), as directed, to include reviews of multiple financial / business aspects of the customer. Proposes a credit decision for small to slightly complex deals and applications.
• Utilizes credit policy framework, risk models, risk tables and assumptions, business terms and conditions, and relevant financial information to identify and advise potential risk exposure on simple to moderately complex deals.
• Begins to “sell” the credit decision to the prospect, channel partner, sales representative and/or relationship manager after receiving review and feedback on deal terms. Assists more experienced credit analysts in explaining the decision and terms of approval.
• Assists more experienced credit analysts with the preparation of credit analysis (executive approval/credit memos). Presents the explanation of the credit analysis and justification for the recommendations to senior analysts for feedback or further presentation.
• Assists with conducting due diligence on merchant portfolios to be converted and/or to be acquired, identifying high risk accounts for structuring and/or accounts to be excluded from the deal.

What Are We Looking For in This Role?

Minimum Qualifications

• Bachelor’s Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills.
• Typically minimum 2 years relevant experience in finance/accounting or similar position required.

Preferred Qualifications

• Credit Analyst experience preferred.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Developing professional expertise, applies company policies and procedures to resolve a variety of issues.
• Job Complexity - Works on problems of moderate scope where analysis of situations or data requires a review of a variety of factors. Exercises judgment within defined procedures and practices to determine appropriate action. Builds productive internal/external working relationships.
• Supervision - Normally receives general instructions on routine work, detailed instructions on new projects or assignments.