Credit Risk Analyst Credit Risk Analyst

hace 4 días

Ciudad Juárez, México Quantum Lending Solutions A tiempo completo

About the Company
Quantum Lending Solutions redefines small business lending with our diverse and adaptable financial solutions. We are committed to fueling the growth of enterprises and small-to-medium businesses (SMBs) with our tailor-made financial services. 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.
As an Credit Risk Analyst you will play a crucial role in making prudent lending decisions on behalf of Quantum. This involves analyzing credit reports, financial documents, and bank statements to ensure that loans are issued to qualified and financially stable businesses. 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).
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.
Financial Document Review:
Scrutinize cash flow statements, business financials, and other financial documents to assess the financial health of prospective borrowers. This includes analyzing income statements, balance sheets, and tax returns.
Bank Statement Analysis:
Review bank statements to verify the consistency of cash flow, business transactions, and financial stability. 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.
Communication:
Effectively communicate with loan officers, customers, and bank partners to gather additional information, clarify discrepancies, and provide status updates on underwriting decisions.
Excellent English & Spanish (Please apply with an English Resume)
Bachelor's degree in finance, accounting, or a related field.
Strong knowledge of commercial and consumer credit analysis.
Familiarity with loan origination systems and underwriting software.
Proficiency in interpreting financial statements, cash flow analysis, and credit reports.
Performance Bonus
Remote (WFH) 3 days; in office 2 days

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