The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities:
- Provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio
- Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management
- Monitor assigned credit portfolio, analyzing trends, risks,



and key statistics to execute preventative measures.
- Oversee deal approvals in collaboration with business partners, demonstrating commercial awareness and sound judgment.
- Participate in developing and refining procedures for approvals, portfolio functions, and credit guidelines.
- Effectively communicate and negotiate with internal stakeholders, often at senior levels, to influence decisions and impact projects.
- Collaborate with the Risk organization to refine data utilization processes, demonstrating a deep understanding of data sources and analysis.
- Adhere to compliance standards, assess business risks, and safeguard the company, its clients, and assets.
- Prepare the deliverables for internal and external stakeholders, including regulators (for example on expected portfolio performance, areas of potential risk and/or opportunity)
- Make informed business decisions that consider risk assessment, the firm's reputati

📌 Banamex Credit Risk 2lod Senior Officer (Ciudad de México)
🏢 Citi
📍 Ciudad de México