GENERAL MANAGER
Company: MRI CARICAM ANDINA
Location: Miami
Posted on: October 18, 2024
Job Description:
Company: BICSA (https://www.bicsa.com/en/)
Position: General Manager- Miami International Representative
Office
Reports to: Regional Business Development Manager (based in
Panama)
Location: Miami, FL
GENERAL PURPOSE:
Oversee the Miami Representative Office to ensure a secure and
functioning workplace. The main objective is to identify and assess
potential transactions working closely with H.O. and other business
development officers. Ensure proper management and execution of
operations, by working with the Credit Administration team from
underwriting through legal documentation and its funding.
Responsible for complying with the BSA/AML/OFAC programs and
adherence to the Bank's Compliance and other non BSA/AML laws and
regulations.
KEY RESPONSIBILITIES
- Develop and implement business management strategies for US
market import/export financing and credit facilities to enhance
asset operations.
- Ensure compliance with regulatory guidelines in Florida, USA,
and other applicable laws for the Representative Office, aligned
with Head Office policies.
- Promote profitable H.O. credit business in Miami through
effective "Customer Value Proposition."
- Coordinate with Country Managers to identify and capture market
flows to the United States, managing business opportunities with
regional companies.
- Collaborate with the Regional Business Manager to define
strategic business plans and facilitate the growth of the Loan
Portfolio and Services for/from the USA.
- Create prospecting plans and structure facilities for new
businesses, presenting them to the Head Office Credit
Committee.
- Convey a strong "Customer Value Proposition" to high-value
customers, promoting H.O. products with a "Customer Centric
Approach."
- Maintain close communication with clients, ensuring a healthy
and diversified portfolio in coordination with the Business
Development Officer(s).
- Direct and evaluate team members' performance periodically, in
coordination with the Regional Business Manager.
- Ensure strict compliance with operational, administrative, and
regulatory policies for asset and credit line development.
- Review and coordinate credit proposals with the Regional
Business Manager for presentation at the Head Office Credit
Committee.
- Participate in Head Office Credit Committee meetings and
provide information for presented credits when necessary.
- Engage in the documentation process for clients, formalizing
operations, and coordinating with legal advisors when
needed.
- Ensure compliance with established documentation policies and
delivery times set by the Head Office Compliance
Department.
- Follow up on non-accrual cases, legal collections, repossessed
assets, and coordinate with advisors and experts when
required.
- Ensure performance indicators for the Representative Office are
met, aligned with institutional goals.
- Organize Compliance training for the Miami Representative
Office team, reporting to the Compliance Administrative Committee
annually.
- Update business marketing procedures, compliance policies,
annual budget, and regulatory requirements for the Miami
Representative Office.
- Promote the use of management tools the Bank provides, such as
CRM, BICSA TASK, E FLUJOS, ARIS, and Control Boards.
- Foster new business management in markets where BICSA lacks a
physical presence.
- Report relevant facts to Regional Business Management and
General Management.
- Ensure Business Officers monitor and update due diligence
information according to the RAC Process.
- Prepare and review weekly meeting minutes, including portfolio
projections, commissions, financial income, delinquency, special
cases, opportunities, prospects, and customer call reports.
PERIODIC DUTIES
- Attend meetings with Regional Business Management
weekly.
- Coordinate with Officers prospective clients monthly.
- Participate without a vote in the Credit Committee
weekly.
- Coordinate and prepare budget estimates for Loans and service
fees annually.
- Send disbursement estimates to the Treasury Department
weekly.
- Control of CRM data daily.
- Administer physical document inventory at Iron Mountain as
needed.
- Process invoice payments to Service Providers associated with
services rendered to the Representative Office (via Corporate
Credit Card or Wire Transfer with Citibank) as needed.
- Administer the 401K plan for BICSA employees as needed.
OCCASIONAL DUTIES
- Comply with annual certifications and reports with the State of
Florida.
- Comply with U.S. Federal Reports.
INTERNAL AND EXTERNAL RELATIONSHIPS
- With Clients: The position has a direct impact on the service
and attention of customers.
- With Internal Customers: Executives and Managers in other bank
positions.
- Departmental Units: All areas of BICSA.
- External contacts: Local and regional clients, experts, and
other banks.
- Lawyers: Formalization of operations and consultations related
to the different operations of the bank, as well as special credit
cases, lawsuits, and litigation.
GENERAL COMPLIANCE POLICIES
Manuals reviewed annually for general compliance purposes within
the bank:
- Manual of General Human Resources Policies and Administrative
Guidelines
- Mixed Compensation Program
- Corporate Risk Management Policy
- Corporate Information Security Policy
- Anti-fraud Policy and Response Program
- Corporate Governance Policy
- Code of Ethics and Conduct
- Manual of Policies and Procedures for the Prevention of Money
Laundering, Terrorism Financing, and Financing of the Proliferation
of Weapons of Mass Destruction
- Corporate Credit Policy
EDUCATION:
Bachelor's degree in Finance, or Business-related programs.
Master's degree preferred. Strong knowledge of bank compliance
related to (BSA/AML).
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Keywords: MRI CARICAM ANDINA, Miami , GENERAL MANAGER, Accounting, Auditing , Miami, Florida
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