Bci Miami
Overview
Join to apply for the
Senior Credit Analyst
role at
Bci Miami . About BCI: Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience. With more than 10,500 employees, Bci is recognized as one of the best companies to work and develop a career. It is the third largest privately owned bank in Chile with more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.
Job Summary The Senior Credit Analyst 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. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager.
Duties of the Position
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 trends 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 serve as back up to the SVP Credit Manager.
May supervise and train junior credit analysts.
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
Ability to understand, speak, read and write English and Spanish
Travel as required
Provide coverage for other positions as requested
Pre-Hire Requirements Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint
Education
Bachelor’s degree in Business Administration, Finance, Accounting or related field
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
Additional Details Location: Miami, FL
Salary ranges and other job postings are provided for context as of posting date.
Compliance: In the performance of their duties, all BCI - Miami Branch staff members are required to comply with 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, staff must comply with BCI’s Personnel Manual and Code of Ethics and other policies.
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Join to apply for the
Senior Credit Analyst
role at
Bci Miami . About BCI: Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience. With more than 10,500 employees, Bci is recognized as one of the best companies to work and develop a career. It is the third largest privately owned bank in Chile with more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.
Job Summary The Senior Credit Analyst 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. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager.
Duties of the Position
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 trends 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 serve as back up to the SVP Credit Manager.
May supervise and train junior credit analysts.
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
Ability to understand, speak, read and write English and Spanish
Travel as required
Provide coverage for other positions as requested
Pre-Hire Requirements Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint
Education
Bachelor’s degree in Business Administration, Finance, Accounting or related field
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
Additional Details Location: Miami, FL
Salary ranges and other job postings are provided for context as of posting date.
Compliance: In the performance of their duties, all BCI - Miami Branch staff members are required to comply with 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, staff must comply with BCI’s Personnel Manual and Code of Ethics and other policies.
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