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COVID-19:

우리 동료들과 지원자들의 건강은 우리의 최우선 순위입니다. 따라서 Citi는 COVID-19 상황을 면밀히 모니터링하고 있습니다. 우리는 추후 공지가 있을 때까지, 임시적으로 모든 후보자 인터뷰를 가상으로 실시하는 것을 포함하여 전 세계적으로 회사 전체에 예방 조치를 구현하였습니다.

Credit Officer

직무 ID 22508111 기본 근무지 San Pedro Garza García (Jesús María), Mexico, Zapopan, Mexico, Ciudad De Mexico, Mexico; 채용 범주 Risk Management
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The Credit Officer 2-Emerging Corporates is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities:

  • Makes decisions in accordance with credit department policies.
  • Employs decisioning for multi-merchant locations to meet customer credit requirements.
  • Takes ownership to resolve issues/inquiries with rapport building, individualized attention using a variety of resources.
  • Performs financial analysis and makes recommendations on new and existing credits and exposures.
  • Assesses credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
  • Prepares a Credit Analysis Summary (CAS) of Commercial applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation.
  • Mentor lower level analysts.
  • 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:

  • 5-8 years relevant experience
  • Previous Credit Analysis experience required.
  • Previous commercial credit authority preferred.
  • Good corporate and merchant credit and exposure analysis skills.
  • Excellent process and project management skills.
  • Ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite credit requests.
  • Demonstrated commercial underwriting experience.
  • Proven analytical and communication skills; both written and verbal
  • Proficient working knowledge of Windows and Excel.


Education:

  • Bachelor’s/University degree or equivalent experience


This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Responsable del análisis y autorización de crédito de un portafolio de clientes de CCB, así como del monitoreo y seguimiento de los mismos desde su originación hasta su terminación. Adicionalmente, participar activamente en el seguimiento del portafolio, aplicación de políticas internas y regulatorias y entrenamiento de Analistas y Jr. Underwriters.

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

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  • 22만 명 이상의 유능하고 다양한 직원으로 구성된 Citi 팀에 합류하십시오

  • 90개 국가의 공동체에서 자원봉사를 행하는 사회적 책임감을 가진 직원들

  • 95개 이상의 시장에 실제로 존재하는 의미 있는 채용 기회

우리는 모든 개인을 포용하고 다양한 관점을 장려하여, 귀하가 영향력을 생성하고 경력을 성장시킬 수 있는 문화를 조성합니다. Citi는 높은 수준의 전문성 기준, 굳건한 성실성과 관대함, 지적 호기심 및 엄격함을 보여주는 동료를 소중하게 생각합니다. 우리는 귀하가 씨티에서 경력을 쌓는다는 일이 가진 중요성을 인식하며, 귀하의 헌신에 대하여 우리도 마찬가지로 노력할 것을 약속 드립니다

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