BANAMEX Analista Intermedio de Cartera de Crédito

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Job Overview

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Responsibilities:

• Resolve issues and recommend solutions to moderate problems
• Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family
• Serve as an industry expert and advisor
• Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds
• Develop risk management framework and processes for funds
• Advise businesses and clients on transaction structures and negotiate credit terms
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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.

Qualifications:

• 2-5 years of relevant experience
• Experience in financial analysis, accounting and valuation
• Consistently demonstrate clear and concise written and verbal communication

Education:

• Bachelor's degree/University degree or equivalent experience

Objetivo del Puesto

Realizar el cálculo de reservas regulatorias bajo la metodología de la CNBV, elaboración de insumos para Reportes Regulatorios y Comités, estimaciones de cierre mensual y consistencia en los reportes regulatorios, contribuyendo a una correcta gestión del riesgo de crédito.

Descripción del Área

El área de Reservas Regulatorias es responsable de:

• Ejecutar mensualmente el proceso de cálculo de reservas regulatorias conforme a la metodología CNBV.
• Elaborar y validar reportes regulatorios.
• Dar seguimiento al desempeño del portafolio desde una perspectiva de riesgo y costo de crédito.
• Asegurar la integridad de las cifras financieras con impacto regulatorio.

Responsabilidades Principales

• Ejecutar el cálculo mensual de reservas regulatorias.
• Elaborar estimaciones de cierre mensual, reflejando de forma realista el comportamiento del portafolio.
• Dar seguimiento al desempeño de los portafolios de Nómina y Créditos Personales.
• Preparar análisis y explicaciones para uso interno y regulatorio.
• Participar en la elaboración y validación de reportes regulatorios.
• Trabajar con grandes volúmenes de datos utilizando herramientas analíticas.
• Coordinar información con otras áreas relacionadas a riesgo y crédito.

Alcance del Rol

• Rol analítico senior / contribuidor individual.
• Sin equipo a cargo.
• Alta responsabilidad sobre cifras financieras y regulatorias.
• Enfoque del rol:
  • 60% técnico / analítico
  • 40% administrativo / coordinación
• Fuerte énfasis en estimaciones y análisis que reflejen la realidad del portafolio.

Perfil Requerido

Experiencia:

• 2 a 3 años de experiencia en al menos uno de los siguientes:
  • Riesgo de crédito
  • Estrategias de crédito
  • Reservas o costo de crédito
  • Seguimiento y análisis de portafolios

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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