Job: Credit Analyst

Our client is looking for a highly motivated and experienced SME Credit Analyst to join the team at our client’s company. The ideal candidate will be responsible for analyzing the creditworthiness of small and medium-sized enterprises, providing appropriate financial solutions, and managing the credit risk of our client’s portfolio. This key role directly contributes to the growth of their client base while ensuring the strength of their credit assessment processes and compliance with local regulations (MX).

Responsibilities

• Evaluate credit applications: Analyze the creditworthiness of SMEs through the review of financial statements, credit histories, and cash flow projections.
• In-depth financial analysis: Conduct detailed analyses of balance sheets, income statements, and cash flows to ensure that businesses can meet their credit obligations.
• Prepare credit proposals: Draft clear reports and presentations that include recommendations for granting or denying credit, based on internal policies and market guidelines.
• Portfolio management: Monitor ongoing loans, anticipate potential default risks, and propose timely corrective actions.
• Client relations: Develop and maintain strong relationships with clients, ensuring they understand credit conditions and offering solutions tailored to their business needs.
• Regulatory compliance: Ensure that all credit processes and decisions comply with local regulations, particularly CNBV (Comisión Nacional Bancaria y de Valores) guidelines.
• Risk assessment: Identify and mitigate financial and operational risks associated with SME credit applications, developing strategies to reduce the risk of default.
• Collateral review: Evaluate the adequacy of collateral offered as backing for credits.
• Process optimization: Collaborate in the continuous improvement of internal credit evaluation and approval procedures, increasing efficiency and reducing response times.
• Market research: Stay updated on economic conditions and regulations that may affect SMEs in Mexico, adjusting credit analysis strategies as necessary.

Requirements

• Academic background: Bachelor’s degree in Finance, Economics, Business Administration, or related fields.
• Experience: Minimum of 2 years of experience in SME credit analysis, preferably in financial institutions or banks.
• Technical knowledge:
  • Proficiency in financial statement analysis and risk assessment techniques.
  • Familiarity with financial regulations and laws in Mexico (CNBV, Banco de México).
  • Proficiency in financial software tools such as advanced Excel, SAP, QuickBooks, among others.
• Soft skills: Excellent analytical skills, ability to work in teams, communication, and negotiation skills.