Banco de Crédito e Inversiones
VP - Senior Credit Analyst
Banco de Crédito e Inversiones, Miami, FL
JOB SUMMARY
Assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing.
Serves as back up to the SVP Credit Risk Manager.
DUTIES OF THE POSITION
The duties of the position include, but are not limited to, the following:
COMPLIANCE RESPONSIBILITIES
In the performance of their duties, all BCI - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment.
PRE-HIRE REQUIREMENTS FOR THIS POSITION:
COMPUTER:
Ability to operate IBM compatible personal computers, fluency with Microsoft Word, Microsoft Excel and Microsoft PowerPoint
EDUCATION:
Bachelor's degree in Business Administration, Finance, Accounting or related field
KNOWLEDGE AND SKILLS:
Strong understanding of risk management and credit mitigants
Strong analytical and financial modeling ability
Good working knowledge of Standard & Poor's and Moody's analytical tools
Strong verbal and written communication skills
Excellent knowledge of US Regulatory Guidance and relevant laws and regulations
EXPERIENCE:
Minimum ten years of financial analysis experience in USA financial institutions
Minimum 4 years of supervisory experience
Minimum 3 years of experience participating in Credit Committees with Recommending duties
LANGUAGES:
Fully bilingual English - Spanish
Assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing.
Serves as back up to the SVP Credit Risk Manager.
DUTIES OF THE POSITION
The duties of the position include, but are not limited to, the following:
- Provide guidance to staff involved in credit analysis in domestic and international offices.
- Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed.
- Borrower assessment: its structure, its operations, the industry in which it operates.
- Assessment of the loan structure being requested.
- Accurately spread and analyze historical financial statements together with relevant projections to assess borrower's ability to repay.
- Determine and assess key credit risks and corresponding mitigants.
- Determine and assess key strengths and weaknesses.
- Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing
- Complement analysis with research and evaluation of market data using databases from Standard & Poor's, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing.
- Identify and document exceptions to Credit Policy.
- Recommend the credit risk rating to be assigned to the borrower following established policies and procedures.
- Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee.
- Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions.
- Monitor industry trend and economic developments to identify potential areas of risk in the loan portfolio.
- Ensure credit files contain all relevant documentation related to approved credits.
- Maintain courteous, professional and effective internal and external working relationships.
- Provide constructive feedback and suggestions in a cooperative professional manner.
- May assist with the process of internal/external audits, loan reviews and regulatory examinations.
- Effectively speaking before groups of customers or employees.
- Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed).
- Provide coverage for other positions as requested and serves a back up to the SVP Credit Manager.
- May supervise and train junior credit analysts.
- Assume evolving duties and responsibilities of the position.
- Perform additional duties and responsibilities as assigned by management.
- Travel as required.[1]
COMPLIANCE RESPONSIBILITIES
In the performance of their duties, all BCI - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment.
PRE-HIRE REQUIREMENTS FOR THIS POSITION:
COMPUTER:
Ability to operate IBM compatible personal computers, fluency with Microsoft Word, Microsoft Excel and Microsoft PowerPoint
EDUCATION:
Bachelor's degree in Business Administration, Finance, Accounting or related field
KNOWLEDGE AND SKILLS:
Strong understanding of risk management and credit mitigants
Strong analytical and financial modeling ability
Good working knowledge of Standard & Poor's and Moody's analytical tools
Strong verbal and written communication skills
Excellent knowledge of US Regulatory Guidance and relevant laws and regulations
EXPERIENCE:
Minimum ten years of financial analysis experience in USA financial institutions
Minimum 4 years of supervisory experience
Minimum 3 years of experience participating in Credit Committees with Recommending duties
LANGUAGES:
Fully bilingual English - Spanish