Credit Risk Analyst

hace 7 días

Ciudad de México, Ciudad de México QUANTUM Consumer Engagement Solutions A tiempo completo

About the Company

Quantum Lending Solutions redefines small business lending with our diverse and adaptable financial solutions. We are a dedicated lending partner focused on empowering small businesses to achieve their growth objectives. We are committed to fueling the growth of enterprises and small-to-medium businesses (SMBs) with our tailor-made financial services. Recognizing that each business has unique financial needs and growth trajectories, we offer a range of customized solutions. From agile microloans for quick capital injections to expansive term loans for long-term strategies, our diverse portfolio ensures that whether you are scaling up or solidifying your market position, we have the right financial tools to support your journey.

Job Summary

As a Credit Risk Analyst, you will play a crucial role in making prudent lending decisions on behalf of Quantum. Your primary responsibility will be to review and assess the creditworthiness of business loan applicants. This involves analyzing credit reports, financial documents, and bank statements to ensure that loans are issued to qualified and financially stable businesses. Your expertise in underwriting will contribute to the growth and stability of the lending portfolio.

This role is based in Mexico City and operates in a hybrid work environment, with a combination of office-based (2 days) and remote work (3 days).

Key Responsibilities

  1. Credit Analysis: Conduct in-depth reviews of commercial and consumer credit bureaus to evaluate the credit history, credit scores, and payment behaviors of loan applicants.
  2. Financial Document Review: Scrutinize cash flow statements, business financials, and other financial documents to assess the financial health of prospective borrowers, including income statements, balance sheets, and tax returns.
  3. Bank Statement Analysis: Review bank statements to verify the consistency of cash flow, business transactions, and financial stability. Identify any irregularities that may affect loan eligibility.
  4. Risk Assessment: Assess the overall risk associated with each loan application. Utilize your experience to determine the likelihood of repayment and make recommendations accordingly.
  5. Loan Structuring: Collaborate with senior underwriters and loan officers to structure loans that meet the specific needs of borrowers while adhering to lending guidelines and risk management policies.
  6. Regulatory Compliance: Ensure all underwriting activities comply with applicable laws, regulations, and industry standards. Stay updated on relevant regulations and ensure all documents and processes are in accordance.
  7. Communication: Effectively communicate with loan officers, customers, and bank partners to gather additional information, clarify discrepancies, and provide status updates on underwriting decisions.
  8. Documentation: Maintain accurate and organized records of all underwriting activities, including notes on decision rationales, document submissions, and follow-up actions.
  9. Continuous Improvement: Stay current with industry trends, underwriting best practices, and emerging risk factors. Contribute to the constant improvement of underwriting processes and guidelines.

Qualifications (Knowledge/Skills/Abilities/Experience)

  1. Excellent English & Spanish (Please apply with an English Resume).
  2. Bachelor's degree in finance, accounting, or a related field.
  3. Minimum of 2 years of experience in underwriting, preferably in business loans.
  4. Strong knowledge of commercial and consumer credit analysis.
  5. Familiarity with loan origination systems and underwriting software.
  6. Proficiency in interpreting financial statements, cash flow analysis, and credit reports.
  7. Excellent attention to detail and analytical skills.
  8. Good communication and interpersonal skills.
  9. Strong problem-solving abilities and the capacity to make sound lending decisions.
  10. Adherence to ethical and regulatory standards in lending practices.

We Offer

  1. Law Benefits
  2. Competitive Salary
  3. Performance Bonus
  4. Grocery vouchers
  5. Commute support
#J-18808-Ljbffr

  • Credit Risk Senior Analyst

    hace 2 semanas

    Ciudad de México, Ciudad de México Citi A tiempo completo

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.A Credit...

  • Credit Risk Senior Analyst

    hace 5 días

    Ciudad de México, Ciudad de México Citi A tiempo completo

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.A Credit...

  • Credit Risk Analyst

    hace 3 semanas

    Ciudad de México, Ciudad de México Quantummx A tiempo completo

    Join to apply for the Credit Risk Analyst role at QUANTUM Consumer Engagement SolutionsAbout The CompanyQuantum Lending Solutions redefines small business lending with our diverse and adaptable financial solutions. We are a dedicated lending partner focused on empowering small businesses to achieve their growth objectives. We are committed to fueling the...

  • Citi - Credit Risk Senior Analyst - AVP

    hace 3 semanas

    Ciudad de México, Ciudad de México Citigroup Inc. A tiempo completo

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. A Credit...

  • Senior Credit Risk Analyst

    hace 1 semana

    Ciudad de México, Ciudad de México Resideo A tiempo completo

    At Resideo, we are looking for a Senior Credit Risk Analyst to join our team. As a Credit Analyst I, you will play a crucial role in facilitating a high level of cash flow and minimizing levels of overdue and bad debt while maintaining a balanced credit risk across all accounts that align with company policy.Key Responsibilities:Past due collectionsAssist...

  • Citi - Credit Risk Senior Analyst - AVP

    hace 2 semanas

    Ciudad de México, Ciudad de México Citigroup Inc. A tiempo completo

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. A Credit...

  • Credit Risk Analyst

    hace 6 días

    Ciudad de México, Ciudad de México Ariza de México A tiempo completo

    At Ariza de México, we partner with clients to optimize fleet management through expertise, advanced tools, and a strong supplier network.Key ResponsibilitiesThe Credit Manager will be responsible for assessing and managing credit risk, analyzing financial statements, establishing credit policies, and ensuring proper portfolio management.Experience in...

  • Credit Risk Management Analyst

    hace 3 semanas

    Ciudad de México, Ciudad de México Clip A tiempo completo

    **Who we are?**Payclip is changing the way payments work in MexicoWe are empowering people to exchange value directly from a mobile device.Clip enables anyone to accept card payments, at any time, and anywhere by turning your smartphone or tablet into a card terminal.We're a well-funded quickly growing FinTech startup.We are the leaders in our market and are...

  • Risk Management Specialist

    hace 1 semana

    Ciudad de México, Ciudad de México Citigroup Inc. A tiempo completo

    Citigroup Inc. is seeking a skilled Risk Management Specialist to join our team in Mexico. As a Credit Portfolio Analyst - Senior, you will be responsible for conducting credit reviews and credit approvals while monitoring the portfolio to identify potential risks.The ideal candidate will have a deep understanding of credit risk management principles and be...

  • Credit Portfolio Analyst

    hace 1 semana

    Ciudad de México, Ciudad de México Citigroup Inc. A tiempo completo

    Credit Portfolio Analyst - Senior at Citigroup Inc. is responsible for managing credit risk within the Power, Energy, Chemicals, Commodities & Mining sector. This role requires a strong understanding of credit risk management principles and the ability to apply them in a fast-paced environment.Main Responsibilities:Assess credit and financial strength of...

  • Risk Analyst

    hace 3 semanas

    Ciudad de México, Ciudad de México Prime Personnel A tiempo completo

    An exciting opportunity has arisen for a dynamic individual to join a busy Risk department in this prestigious international Bank.Your duties will include:- Producing risk measurement figures and reports regarding market & liquidity risk- Monitoring deals and controls for Treasury activities- Identifying/analysing anomalies in movements of positions and...

  • Risk Management Analyst Lead

    hace 1 día

    Ciudad de México, Ciudad de México American Express A tiempo completo

    About American ExpressWe're a global company that provides innovative payment and travel solutions to customers worldwide.The RoleWe're seeking a skilled Project Analyst to join our Global Business Intelligence (GBI) team. As a Project Analyst, you'll play a key role in developing and implementing operational risk management strategies, focusing on process...

  • Risk Management Solutions Specialist

    hace 2 días

    Ciudad de México, Ciudad de México LexisNexis Risk Solutions A tiempo completo

    RequirementsExperience of implementing & configuring bespoke customer SaaS productsDemonstrate knowledge of using REST API for integrating SaaS platforms, familiar with JSON, XML & WebhooksFinancial Crime knowledge/experience as an analyst, investigator, or similar in at least one of the below areas: Application Fraud, Transaction Fraud, KYC, AML, Data or...

  • Risk Management Analyst

    hace 1 semana

    Ciudad de México, Ciudad de México MoonPay A tiempo completo

    We're seeking a Risk Management Analyst to build upon our focus on compliance by upholding our processes around customer onboarding, remediation, and due diligence. In this role, you'll conduct thorough KYB reviews for MoonPay partners, analyze corporate structures, and identify beneficial owners to ensure regulatory compliance.

  • Risk Analyst

    hace 5 días

    Ciudad de México, Ciudad de México PayJoy A tiempo completo

    About PayJoyPayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the...

  • Risk Management Analyst

    hace 6 días

    Ciudad de México, Ciudad de México Zurich 56 Company Ltd A tiempo completo

    Zurich 56 Company Ltd is a leader in the insurance industry, and we are committed to staying ahead of the curve when it comes to technology and innovation.About the RoleWe are seeking a Risk Management Analyst to join our team. As an ITGC specialist, you will be responsible for analyzing and mitigating risks associated with our IT systems.Analyze and...

  • Credit and Risk Expert

    hace 6 días

    Ciudad de México, Ciudad de México Ayvens S.A A tiempo completo

    Ayvens S.A. offers an exceptional opportunity for a skilled Credit Risk Analyst to join our team.Our mission is to lead the industry towards net zero emissions and shape the digital transformation of mobility.In this role, you will play a crucial part in driving our success by:Main Accountabilities:Evaluate credit applications to determine suitabilityAnalyze...

  • Credit Risk Analyst

    hace 6 días

    Ciudad de México, Ciudad de México Ayvens S.A A tiempo completo

    Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.Join our team as a Credit Risk Analyst. We are an excellent transnational company, a world-leading company in pure leasing and fleet management.Requirements:Excel Intermediate-AdvancedBachelor's degree in accounting, economics,...

  • Business Credit Analyst

    hace 3 días

    Ciudad de México, Ciudad de México Quantummx A tiempo completo

    Job SummaryAs a Credit Risk Analyst, you will play a crucial role in making prudent lending decisions on behalf of Quantum. Your primary responsibility will be to review and assess the creditworthiness of business loan applicants. This involves analyzing credit reports, financial documents, and bank statements to ensure that loans are issued to qualified and...

  • Credit & Risk Manager

    hace 2 semanas

    Ciudad de México, Ciudad de México Ipfdigital A tiempo completo

    Credit & Risk Manager Who are we? IPF Digital is a Financial Services company part of IPF Group and trades as Creditea in México. We provide consumer loans, and our mission is to make life easier by offering simple and personalized financial solutions to everyday Mexicans. Our organizational purpose is to build a better world through financial inclusion,...