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Ayvens Credit Risk Analyst is responsible for analyzing credit data and financial statements to evaluate the risks associated with the counterparty’s creditworthiness.
They use a variety of analytical techniques to evaluate the risks associated with lending to consumers and to evaluate business risks.
They are also responsible for preparing reports consolidating information for use in decision-making and making credit decisions within the defined levels of authority.
They are the direct contact with relationship managers (sales team), which is also a part of the 1st line of defense, to complete the first rating checks and explain the different credit decisions so that the relationship managers are better prepared for challenging conversations with clients, if needed.
Being a part of the first line of defense implies that they are actively responsible for the risk assessment and credit decision of clients within the attributed delegation.
SCOPE and responsibilities
The main responsibility of the Credit Analyst is the execution of the necessary risk assessment appropriate to each customer and credit application type.
This includes evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, including the calculation of financial ratios, interpreting results from automated decision-making and the preparation of a report to register the required audit trail.
For credit origination, the Credit Risk Analyst will perform the credit analysis, which may include KYC (Know Your Customer) elements and the update of rating or scoring, and issue a credit opinion. They are also responsible for registering new customers in risk system following the registration done by sales, if needed.
For automatic or semi-automatic decisions, the Credit Risk analyst is respons
📌 Credit Risk Analyst (Ciudad de México)
🏢 Ayvens
📍 Ciudad de México
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