**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.
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.
Inglés
- Intermedio
- Avanzado (Indispensable)
Experiência en Análisis crediticio en el segmento empresarial y AgroJob Family Group:
Risk Management
- **Job Family**:
Credit Decisions
- Time Type:
Full time
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📌 Banamex Credit Analyst Sr (Boca del Río)
🏢 Citigroup
📍 Boca del Río