Credit Management Associate Chile & Peru

Business Overview:

Corporate Credit Management (“CCM”) Chile & Peru is a transversal Team in support of approximately 30 Corporate Clients of the Chile & Peru platform. The CCM Team works to ensure coverage, monitoring & execution of all counterparty risk requests for the Corporate platform. 

Responsibilities: 

Responsible for the credit management of assigned corporate client relationships. Specifically: 

• Manage and monitor the credit quality of a portfolio of assigned corporate clients & prospects including periodic review of borrower financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc.
• Evaluate clients/transactions for risk-related changes
• Clients consists of local Pilot companies and subsidiaries (i.e. “Contributors”) of foreign companies 
• Perform credit analysis and prepare credit memoranda for assigned accounts including new transactions, annual reviews, renewals, amendments, waiver requests and financial updates
• Strong interaction with the Risk department, Coverage and Product teams including coordinating the credit process amongst the various Product and Risk Teams to ensure an efficient turnaround of transactions
• Maintain reporting related to portfolio review, including pipeline tracking, exposure tracking, and other general reports (including WL reports, High Leverage Lending)
• Maintain credit management systems up to date (CRF and MCA)
• Coordinate and optimize Credit Process interactions in order to comply with deadlines for timely production of credit proposals and circulation to Credit Committee
• Attend bank meetings and/or client calls with the Relationship Manager
• Manage and monitor the credit quality of a portfolio of assigned corporate clients & prospects including periodic review of borrower financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc.
• Anticipate credit issues and alert local management on all related hot topics.
• Mentor Juniors: Coach and serve as point person for more junior analysts in the team.

Minimum Required Qualifications

• Degree in Finance, Economics or Business Administration (Accounting would be a plus)
• Solid knowledge of financial statement analysis and fundamental corporate credit analysis
• Good knowledge of general banking products and banking policies, procedures and methodologies
• Projection modeling skills
• Result oriented 
• Independent opinion
• Strong team player
• Collaborative and innovative mindset
• Client (internal and external) focus
• High standards of compliance and conduct
• Strong business writing skills
• Proficiency in Word and Excel 
• Minimum of 5-6 years of professional experience, with 2-3 years of credit analysis experience covering Corporates at an International Financial Institution
• English proficiency a must, knowledge of Portuguese and/or French a plus