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CB - Credit Risk - VP

Req #: 170084805
Location: México, DIF, MX
Job Category: Accounting/Finance/Audit/Risk
Job Description:
The Credi Risk VP will be responsible for lending activities and related credit exposures for CCBSI credit Mexico.   These Mexico based corporations are active users of traditional corporate banking services and investment banking products.  The work environment is dynamic and fast-paced, a reflection of the industry and clients the team supports.

The VP is the primary credit risk manager for a portfolio of corporate banking clients and transactions.  In this capacity, the VP works in partnership with coverage banking officers, syndications, and other partners to risk grade borrowers, analyze and approve credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation.  The Senior Underwriter is also responsible for on-going monitoring and risk management of an assigned portfolio of credit clients.  


To be successful, this individual needs a broad and deep understanding of the business, financial, competitive, and industry risks faced by clients in the assigned portfolio; expertise in structuring commercial loan transactions and managing all types of credit risk; and a comprehensive knowledge of corporate finance principles.


This portfolio will be comprised of Mexico based corporations fitting the CCBSI profile, and the position will be based in Mexico City.  Travel will be required from time to time throughout Mexico with some international travel to the US.


Risk Assessment

  • Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio
  • Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
  • Lead and/or participate in client due diligence and transaction negotiations
  • Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
  • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
  • Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
  • Partner with local business for the development of new local products and ensure full adequacy to credit systems

Credit Approval Process

  • Apply corporate finance and accounting expertise to develop appropriate financing structures
  • Prepare credit approval materials, ensure all credit risk policies are followed, and present and recommend credits for approval at the appropriate level
  • Analyze and negotiate financing terms and conditions as part of a deal team
  • Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval

Portfolio Management

  • Provide a well-researched and thoughtful risk assessment of each assigned client on an ongoing basis
  • Ensure risk ratings are accurate and reflect a current forward-looking view of the client
  • Provide early identification and proactive management of deteriorating credits and other problem situations
  • Analyze, prepare, and present for approval all required waivers, amendments, and extensions
  • Prepare and present annual portfolio review material to senior management
  • Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements
  • Manage local regulatory requirements for locally booked exposure and interface with local  regulators
  • Actively participate in local risk committees and help manage the overall risk governance across various risk stripes for Mexico
  • Work closely with Credit Support Specialists to ensure accuracy of credit system data
  • Assist Credit Risk Executive in training and developing junior underwriters

  • Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills -  demonstrates a solid grasp of accounting and corporate finance
  • Strong interpersonal and communication skills - able to partner with internal groups and interface with external clients
  • Strong interest in and grasp of emerging markets dynamics
  • Ability to successfully work independently and as a part of a team
  • Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
  • Minimum of 7 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing
  • BA/BS degree is required, MBA and/or CFA is preferred
  • Fluent in English and Spanish

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