Credit Risk Analyst

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 an 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

• 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. Identify any irregularities that may affect loan eligibility.
• Risk Assessment:
  Assess the overall risk associated with each loan application. Utilize your experience to determine the likelihood of repayment and make recommendations accordingly.
• 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.
• 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.
• Communication:
  Effectively communicate with loan officers, customers, and bank partners to gather additional information, clarify discrepancies, and provide status updates on underwriting decisions.
• Documentation:
  Maintain accurate and organized records of all underwriting activities, including notes on decision rationales, document submissions, and follow-up actions.
• 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)

• Excellent English & Spanish (Please apply with an English Resume)
• Bachelor's degree in finance, accounting, or a related field.
• Minimum of 2 years of experience in underwriting, preferably in business loans.
• 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.
• Excellent attention to detail and analytical skills.
• Good communication and interpersonal skills.
• Strong problem-solving abilities and the capacity to make sound lending decisions.
• Adherence to ethical and regulatory standards in lending practices.

We Offer

• Law Benefits
• Competitive Salary
• Performance Bonus
• Grocery vouchers
• Commute support
• Remote (WFH) 3 days; in office 2 days