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 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