Banamex Credit Risk Senior Analyst at Citi

Ciudad de México, , Mexico -

Full Time

Start Date

Immediate

Expiry Date

04 Apr, 26

Salary

0.0

Posted On

04 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Analytical Thinking, Financial Analysis, Risk Identification, Risk Assessment, Credit Approval, Portfolio Monitoring, Financial Statement Analysis, Communication Skills, Process Improvement, Problem Solving, Client Risk Management, Stakeholder Engagement, Change Management, Team Collaboration, Ethical Judgment

Industry

Financial Services

Description

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth. Responsibilities: Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios. Identify emerging threats and implement mitigation strategies. Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices. Ensure the appropriateness and completeness of credit risk components, validating their usage trends. Manage risk through various means, including spreading of client business, financial statement analysis, recognizing potential client risk early, periodic financial statement reviews, tracking financial covenants, and monitoring borrowing base credit facility compliance. Communicate any potential risks to senior management, providing regular updates about the status of their Reviews. Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty. Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes. Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team. Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness. Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements. Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals. Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals. Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community. Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development. Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities. Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards Qualifications: 5-8 years of experience • Extensive professional experience in a similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis. • Deep disciplinary knowledge within the field, integrated with subject matter and industry experience. • Advanced technical knowledge within a specific business area, including familiarity with credit risk processes, standards, and opportunities for improvement. • Commercial awareness and understanding of business operations and strategies, including experience in assessing business/risk staffing models. • Proven background in managing Corrective Action Plans related to credit risk reviews or business monitoring. • Advanced interpretation and analysis abilities related to financial statements and indicators. • Expertise in resolving complex business problems independently using analytical thinking and logical reasoning. • Strong communication skills to clearly convey complex information to a variety of audiences. • Proficiency in conducting comprehensive financial analysis, detecting potential risks, and initiating appropriate measures. • Ability to filter, prioritize, and validate complex and dynamic material. • Command of Customer Accounting Systems and Credit Platforms. • Experience in maintaining quality and consistency standards in Fundamental Credit Risk documents. Education: Bachelor's/University degree or equivalent experience RECOMENDACIONES Revisa y analiza detenidamente el Job Posting. Si cumples con los requisitos, no dudes en aplicar. El Job Posting estará publicado por 5 días hábiles y tiene fecha de vencimiento para poder postular. Actualiza tu perfil en Workday y CV (asegúrate de ADJUNTARLO) Es fundamental tener disponibilidad en los canales de comunicación oficiales (Celular, Email o Teams). Salario competitivo, beneficios y prestaciones superiores. Factor de descarte: Aquellos candidatos que no cumplan con los requisitos mínimos establecidos en el Job Posting serán descartados del proceso de selección. Asegúrate de demostrar claramente tu experiencia y habilidades desde tu aplicación. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Responsibilities

The role involves analyzing creditworthiness, assigning risk ratings, and managing credit exposures. It also includes ongoing monitoring of portfolios and communicating potential risks to senior management.