CLU Sr. Credit Officer
Citigroup Inc
Tijuana, BCN, MEX
hace 32 días

Description

  • Puesto : CLU SR Credit Officer
  • Área a la que pertenece : CLM México
  • The essential functions of this position
  • A new lending process has been established in CCB Mexico (Banca Empresarial) that implies a broader scope in responsibility and accountability for CLU Credit Officers.
  • Principal functions :
  • CLU SR Credit Officer responsibility is to execute CCB s lending processes, according to policies and strategy, with the ultimate objective of a best-

    in-class lending experience for CCB s Clients within our target markets. Also to :

  • Support managed assets growth.
  • Ask for appropriate returns for risk and capital.
  • Approval of credit.
  • Early warning identification.
  • Partner with Sales Team in Customer meetings related to Lending and Monitoring Due Diligence.
  • Principal functions :

  • Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other data;
  • Identifies key transactional risks & mitigants.

  • Ensure efficient credit process execution and fast turnaround times.
  • Support Sales team in terms of credit risk assessment and transaction structuring.
  • Execution in terms of "follow ups" and additional credit requirements set by Credit Approvers and timely submission of credit packages and related documents to Credit Approvers.
  • Coordinate and co-operate with Sales and Independent Risk Management.
  • Provide guidance to Sales team and become a point of reference for teams on interpretation, application and compliance to Global Commercial Credit Policies.
  • Maintain strong focus on turnaround time (TAT) to improve Client experience and minimize adverse selection.
  • Encourage a risk differentiated approach to achieve efficient underwriting and lower TAT.
  • Participates in Post Loan Approval Reviews and Management Control Assessments.
  • Partner with Independent Risk and Business (Sales) in Internal Audit and FCR reviews
  • In Business Credit Authority

  • Ensures a complete, well documented, accurate and balanced assessment of risk in credit approvals.
  • Understand company s financial aptitude and risk appetite / tolerance.
  • Ensures that proposed transactions and extensions of credit are consistent with Client relationship profile.
  • Ensures clear communication among the Sales, Risk Management and the Client.
  • Ensure a complete, accurate and balanced assessment of the company.
  • Commit to constantly monitor obligors.
  • Review and approve appropriate extension of credit performance, including timely and appropriate classification of facilities.
  • Partner with Business Sponsoring Officers and Relationship Managers in customer meetings, engaging Clients’ senior managers, as well as with external advisors and consultants.
  • Work with Independent Risk to monitor external environment or any potential emerging risks which may have an impact on individual or overall credit portfolio.
  • Identify any early warning signals to trigger appropriate credit classification as per internal and regulatory requirements.
  • Partner with Independent Risk.
  • Provide assistance from CLM for the preparation of any ad hoc reports, information requests etc. from Relationship Managers and Independent Risk.
  • Academic training
  • Bachelor’s Degree (preferably, but not mandatory, in Accounting, Finance, Economic, Business) or Engineering. Desirable Master Degree
  • Experience :
  • Credit Roles (financial institutions) 6+years (preferably)
  • Bussiness Credit Authority 1 year (preferably)
  • General knowledge :
  • 1. Sales functions and Business Processes (preferably).
  • 2. Systems and CCB structure and Strategy (preferably).
  • 3. Knowledge of intermediate accounting and its practical application in the credit underwriting process (preferably).
  • 4. Strong work ethic, ability to handle high volume and work under pressure, as well as, decision taking attitude and ability to lead meetings with Clients and ask pertinent questions.

  • Technical knowledge
  • Experience in Excel and Office Management. (Advanced database management).
  • Lenguages :
  • English - Advanced (preferably)
  • Knowledge and Skills :
  • Communication, negotiation, capacity analysis, negotiation, consultative sales, proactive, results orientation, initiative, teamwork, thrust, leadership, ability to work under pressure, takes decisions, planning and organization.
  • Qualifications

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