Banamex Analista De Crédito- Banca Empresarial - Boca Del Rio (Boca del Río)

Credit Portfolio Analyst II

The Credit Portfolio Analyst II 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.

Job Responsibilities

• Conduct risk assessments and client credit analyses.
• Review financial results and peer analyses to support preparation of financial projections.
• Assist in preparation of green‑light and transaction approval memos.
• Support due diligence activities and build cash flow models and sensitivity analyses.
• Escalate credit concerns and updates to senior risk and business managers.
• Propose risk mitigation actions based on portfolio and industry developments.
• Assist with portfolio review preparation and perform stress tests.
• Build working relationships with deal, coverage, and product teams.
• Assess risk when business decisions are made, protecting Citigroup’s reputation and assets.
• Support compliance with laws, rules, and regulations, and report control issues transparently.
• Provide input into risk analysis of tools that monitor credit risk exposure.
• Assist in assessing collateral risk and conducting stress testing.
• Prepare risk review materials for proactive risk management and internal stakeholders.
• Monitor credit portfolio limits to ensure compliance with risk appetite limits.

Qualifications

• 0-2 years of experience in credit risk analysis or corporate banking.
• Experience in financial analysis, accounting, and valuation.
• Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.
• Familiarity with data interpretation and ability to challenge decisions based on data.
• Basic understanding of stress testing, collateral risk, volatility, concentration risks, liquidity, and wrong‑way risk, with demonstrated experience reviewing these factors.
• Ability to interpret data, make sound decisions, and challenge analysis assumptions.
• Strong written and verbal communication skills.
• Ability to work with little direction and within a team.
• Problem‑solving skills to identify, analyze, and challenge basic problems.
• Familiarity with risk management software and industry‑specific data management tools.
• Adaptability and flexibility to respond to ad‑hoc requests and regulatory changes.
• Bachelor's degree or equivalent experience.

Equal Opportunity Employment

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran or any other characteristic protected by law.