Credit Underwriting Vice President jobs at Bank Of America in Mexico, Mexico City

Job Description:

Job Description:

The Credit Officer role requires a comprehensive skill set to effectively execute broad risk management responsibilities within Corporate & Financial Institutions Credit Risk.

Responsibilities:

• Develop and maintain a deep understanding of the Global Banking & Markets product spectrum

• Responsible for driving speed to market and asset quality; Manages (primary account responsibility) a complex portfolio of Large Corporate / Financial Institutions clients within the bank's risk appetite and risk strategies

• Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level in order to assess risk and craft value added solutions that balance risk and return

• Independently assess the credit worthiness , including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk

• Manage a complex portfolio of clients via actively monitoring the portfolio including changes in credit profile and compliance with credit agreements

• Provide high quality and efficient credit approval to Corporate Banking, Investment Banking, Global Markets and Treasury while observing compliance of established credit policies and guidelines

• Structure transactions and negotiate credit documentation including; credit agreements, amendments, ISDAs, and CSAs

• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle

• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal

• Participate in strategic projects to support business goals.

Skills:

• Analytical Thinking

• Credit and Risk Assessment

• Financial Analysis

• Research Analysis

• Underwriting

• Attention to Detail

• Business Acumen

• Financial Forecasting and Modeling

• Loan Structuring

• Written Communications

• Business Development

• Collaboration

• Critical Thinking

• Portfolio Analysis

• Stakeholder Management

This job is responsible for monitoring and coordinating the flow of information and documents pertaining to syndicate loans / supply chain finance. This role requires a strong understanding of loan details, particularly those related to closing documentation and compliance with legal agreements for commercial clients and trade operations to achieve customer satisfaction while minimizing the occurrence of operational risks and monitor customer trade transactions.

Responsibilities:

• Refers discrepancies and issues with legal draft documents among areas as required.

• Performs monitoring of loans by assembling and compiling documents from closing to set up for compliance monitoring tickler system. Ensure documents are accurate and complete.

• Collects and organizes loan closing information for review and analysis to input pertinent loan data into systems. Examines loan deal for accuracy and completeness, including secondary review of coworker’s loan deal sheet.

• Downloads and saves legal documents and compliance reporting and updates compliance monitoring tickler system. Provides notices of pending actions as required.

• Reviews for authority and processes for loan information or monitoring needs.

• Reviews loan documents for compliance monitoring needs. Set up deliverable requirements on the data tracking system. Creates, reviews, and distributes compliance monitoring reports monthly and upon request.

• Assists in the electronic documentation delivery process for internal and external audits. Establish relevant files to maintain a variety of loan documents and credit information on both internal and third-party sites.

• Answers inquiries and resolves routine issues. Fosters good member/public relations by providing customer service that exceeds customers’ expectations.

• Prepare documents and correspondence for reports as required.

• Completes special projects as assigned.

• Check Export, Import, Bank Guarantee, Supply Chain Financing and Trade Financing application form and transactions which is comply with term and conditions

• Understand incoming and outgoing SWIFT message and manage SWIFT message series for Trade Finance products

• Check and approve reports relating to trade transactions with maker prepare by daily, monthly, yearly, and occasionally.

• Knowledgeable financing for trade products and understand credit facility process for trade products

• Prepare regular reports and analysis for head of operation for effective monitoring and control.

• Monitor trade transactions, settlements and report any exceptions to concerned units report to Section Heads and for the purpose of audit.

• Manage Customers inquires and complaints regarding to trade services and trade finance services.

• Develops talent within the team by coaching to achieve the defined goal.

• Strong team skill and can manage stakeholder softly.

• Perform all the area of trade finance products.

• Perform checker in trade finance financing operation process.

• Check monthly outstanding trade finance transaction with physical file which is needed to follow up customer.

• Reconciles trade financing transaction.

• Understand the characteristics of trade products and trade finance products

Required skills:

• Minimum 2 years of experience working in Trade Finance and Loans in the financial industry.

• Knowledge of various types of credit offerings and the procedures required for administration and closing of related loans / supply chain finance.

• Knowledge of commercial and Syndicate loan administration and loan closing processes, including legal document review, credit monitoring and follow up documentation.

• General knowledge of accounting/financial systems.

• Oral and written communication skills, analytical skills, problem solving skills and proficiency in organizing and planning work.

• Ability to communicate effectively, handle multiple concurrent tasks and learn new applications quickly. Should have a good understanding of credit and legal terminology and work well under pressure.

• Excellent Trade Finance knowledge more prefer.

• Strong team management skills and the ability to manage stakeholders effectively.

Skills:

• Attention to Detail

• Customer and Client Focus

• Monitoring, Surveillance, and Testing

• Process Performance Management

• Research

• Adaptability

• Business Analytics

• Critical Thinking

• Reporting

• Written Communications

• Data Management

• Policies, Procedures, and Guidelines Management

• Process Design

• Process Effectiveness

• Strategic Thinking

Responsibilities:

• As Mexico Credit Regulatory Lead, you will be accountable for the oversight and coordination of BAMSA’s Credit regulatory activities

• Oversee production, verification and accuracy of submission for Credit regulatory reports

• Perform required attestations of key regulatory routines to sr. regional management

• Monitoring and track of regulatory requirements and changes, including impact assessments, and ensure compliance through implementation of controls

• Identify process and/or control gaps and implementation of remediation plans

• Coordinate with GBAM Lines of Business and the various support groups on cross-functional regulatory tasks / projects

• Provide support to local GCIB Mexico Credit Head and LATAM Credit Head, including, but not limited to, strategic planning, issues tracking and leadership of credit regulatory committees

• Engage in other credit related activities including strategic projects to support business goals and presentations to senior management

• Participation in ad-hoc projects across multiple functions in Latin America

Required Competencies and Skills:

• Professional with at least 5 years’ experience of regulatory activities and interaction with both internal and external auditors

• Strong English speaker

• Proven experience leading local teams to deliver within deadlines

• Ability to identify, escalate and discuss issues

• Experience in developing and implementing new policies and controls

• Analytical thinking and detail oriented

• Knowledge in credit fundamentals

• Effective interpersonal and collaboration skills with ability to make decisions and resolve issues in a professional and timely manner

• Leadership and communication skills, capable of talking to different org levels and in different forums

Job Description:

Job Description:

The Credit Risk Officer will be responsible for credit analysis and investigation of existing and prospective clients and counter parts under direction of senior team members. Requires a full understanding of the organization's credit policies and existing credit arrangements. Requires continued knowledge development of specifics related to the business unit or product being supported, including unique credit arrangements.

Responsibilities

• Be an active member of deal teams and engage proactively with relationship and product partners

• Analyze clients’ businesses, their financial statements and due diligence materials

• Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes

• Perform ongoing monitoring of clients and information flow associated with the portfolio

• Supervise and provide developmental oversight to Analysts

• Identify and escalate emerging risks

• Understand and apply internal policy, procedures and regulatory requirements

• Review various legal documents for relevant credit products

• Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to seniorofficers.

• Credit Officers will also, on occasion, participate in client meetings.
  

Requirements:

• Fluent English (spoken & written)

• Minimum 6 years of experience in banking and finance or related field

• Sound commercial judgment and strong business acumen

• Knowledge of credit products including loans, derivatives, trade finance, cash management

• Ability to analyze financial statements, conduct due diligence and prepare credit proposals

• Experience analyzing investment and sub-investment grade credit profiles and structures

• Proactive - takes initiative and demonstrates ownership

• Strong technical skills, including accounting and modeling in Excel

• Strong written and verbal communication skills in English

• Capability to build relationship both within the bank and with clients

• Demonstrates intellectual curiosity and is focused on continuous learning and skill building

• Ability to work independently and manage multiple complex tasks while delivering high quality results

Job Description:

Job Description:

This job is responsible for analyzing the day-to-day issues, researching, and providing resolution for various issues identified within a business unit. Key responsibilities include building new procedures, completing complex non-routine analytics, creating reports, and reviewing exception testing and processing. Job expectations include supporting continuous improvement of processes by identifying trends and understanding the operations environment.

Responsibilities:

• Leads implementation for products, services, and operational solutions

• Manages the design, documentation, implementation, and monitoring of new products and services

• Consults on procedural, technical, and operational changes

• Advances business products knowledge within operations environment

• Fosters relationships with partners and teammates

• Inspects data to identify issues and trends

• Presents reporting on key performance and implementation status

Skills:

• Attention to Detail

• Monitoring, Surveillance, and Testing

• Policies, Procedures, and Guidelines Management

• Regulatory Compliance

• Written Communications

• Adaptability

• Business Acumen

• Continuous Improvement

• Critical Thinking

• Process Mapping

• Change Management

• Consulting

• Data Management

• Reporting

Job Description:

Job Description:

Performs intensive qualitative and quantitative due diligence on industry and company factors. Analysts participate in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the banks internal risk/return requirements. Research, write and present financial and industry analyses in support of company specific and portfolio level decisions. Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital. Monitor all elements of the bank credit exposure to its clients across its international network, including periodically reassessing internally assigned risk ratings. Manage credit exposure associated with the bank broad range of productsincluding Loans, Commodities/Foreign Exchange, Derivatives, Leasing, Treasury Management, etc.

Responsibilities:

• Be an active member of deal teams and engage proactively with relationship and product partners

• Analyze clients’ businesses, their financial statements and due diligence materials

• Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes

• Perform ongoing monitoring of clients and information flow associated with the portfolio

• Supervise and provide developmental oversight to Analyst

• Identify and escalate emerging risks

• Understand and apply internal policy, procedures and regulatory requirements

• Review various legal documents for relevant credit products

• Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.

• Credit Officers will also, on occasion, participate in client meetings.

Requirements:

• Maximum3years of experience in banking and finance or related field

• Sound commercial judgment and strong business acumen

• Knowledge of credit products including loans, derivatives, trade finance, cash management

• Ability to analyze financial statements, conduct due diligence and prepare credit proposals

• Experience analyzing investment and sub-investment grade credit profiles and structures

• Proactive - takes initiative and demonstrates ownership

• Strong technical skills, including accounting and modeling in Excel

• Strong written and verbal communication skills in English

• Capability to build relationship both within the bank and with clients

• Demonstrates intellectual curiosity and is focused on continuous learning and skill building

• Ability to work independently and manage multiple complex tasks while delivering high quality results

Skills:

• Analytical Thinking

• Financial Analysis

• Financial Forecasting and Modeling

• Profitability Analysis

• Research Analysis

• Attention to Detail

• Business Acumen

• Credit and Risk Assessment

• Underwriting

• Written Communications

• Collaboration

• Critical Thinking

• Portfolio Analysis

• Prioritization

• Technical Documentation