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 credit approvals for an assigned credit portfolio
- Has the ability to operate with a limited level of direct supervision and provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
- 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
- Influence decisions and impact projects through advice, counsel, and facilitation in your area of specialization.
- Assess effectiveness of the credit risk processes and standards of assigned portfolio to promote leading practices and identify opportunities for improvements
- Utilize advanced analytical skills to filter, prioritize, and validate complex data from multiple sources.
- Effectively communicate and negotiate with internal stakeholders, often at senior levels.
- Provide support in preparing 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 reputation, and compliance with laws, rules, and reg

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