Aún no hay resultados para tu búsqueda
Encontramos estas vacantes similares que podrían interesarte.
Refina la ubicación de tu búsqueda
Refina la ubicación de tu búsqueda
Aún no hay resultados para tu búsqueda
Encontramos estas vacantes similares que podrían interesarte.
Refina la ubicación de tu búsqueda
Refina la ubicación de tu búsqueda
Hoy
Analista de Portafolio Credito Empresarial
Si el reclutador te contacta podrás conocer el sueldo
Sobre el empleo
Detalles
Contratación:
PermanenteHorario:
Tiempo completoEspacio de trabajo:
HíbridoDescripción
Purpose
Monitors and manages an assigned industry, segment, or sub-segment's trends and insights by promptly and proactively communicating potential alerts and credit issues to stakeholders, ensuring timely intervention and proactivity. Ensures we have proper controls and monitoring across our teams and portfolio and identify gaps in said controls and monitoring. Importance of the role as the first line of defense, leading a strong risk culture, and effectively monitoring unusual activity of their assigned portfolio.
Contributes to the overall success of Commercial Banking in the International division, ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team's business strategies and objectives while also ensuring all activities are conducted in compliance with governing regulations, internal policies and procedures.
Accountabilities
Portfolio Monitoring and Risk Management:
· Proactively review portfolio through industries, segments, sub-segments, etc., to determine trends and insights that allow to identify risks and commercial opportunities. Provide feedback on quality of data as well as data-improvement roadmap to facilitate deeper analysis
· Review sample analysis of annual reviews as well as new deals, incorporating both financial and non-financial risks and identifying opportunities for improvement
· Monitor client portfolio trends and alert potential risks, exceptions or non-compliance (e.g. ARA, DPD, SOFIA) within Banking; communicate outcomes to stakeholders and oversee escalation processes to respective Team Leaders, ensuring proper documentation and follow-up
· Track and report trends on overdrafts, overruns, and other exceptions, ensuring portfolio quality is maintained within approved limits
· Ensure and support RM/CSM with industry insights in credit proposals, as well as follow up with any plans for offboarding of any industry, segment or sub-segments
· Create periodic reports on industries, segments, and sub-segments and share trends and insights with wider team and partners, integrating 1) quality assurance findings from peer file reviews, and 2) Client Profitability Models
· Lead quality assurance activities by conducting periodic reviews of commercial loan processes
Early Warning and Risk Escalation:
· Identify early signs and trends of credit risk (e.g. delinquency, PCL impacts) and report to RMs/CSMs and Senior Management for timely intervention
· Leverage the early warning tools like SOFIA to identify trends and insights
· Report and alert annual reviews, term loan renewals, early warnings, and unusual transaction reports outstanding at the portfolio level
· Organize and lead designated Banking governance meetings to ensure timely follow-up on alerts and facilitate effective risk management discussions
Client Interaction Support:
· Occasionally accompany Relationship Managers on client visits to gain a deeper understanding of client business needs and support the risk assessment process, while tracking call reports and path-to-profitability commitments, identifying RWA optimization initiatives to ensure portfolio strategic alignment
Client Service Optimization
· Serve as a resource to make loan transactions easier, providing input on process improvements and enhancing the client experience through efficient credit structuring
Keeping the Bank Safe
· Actively pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct
Centralize, manage and coordinate Banking audit issues, deploy action plans (regionally when applicable) and maintain consolidated information to meet audit, risk and regulatory requirements while establishing proper control strategies with Banking and Risk Teams
Education:
ID: 20668573