Jr Credit Analyst

Company: Banco de Credito e Inversiones
Location: Miami
Posted on: May 28, 2023

Job Description:

ABOUT BCIBci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries.Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.JOB SUMMARYThe Jr. Credit analyst assists the SVP Credit Manager with all aspects of the underwriting process by performing the following duties:Prepares, manages and controls in conjunction with the Commercial Officers the credit application process (propuesta) with all aspects, for the Credit clients, to be presented to our local Credit Committee and if necessary to be submitted to our Head Office for approval.DUTIES OF THE POSITIONThe duties of the position include, but are not limited to, the following:Prepare credit proposals with respective analysis of financial standing for every credit customer requested, to be presented to local and/or head office credit committeeMaintain (electronic and physical) credit and legal files updated with any pertinent informationInput of pertinent information after local approval (if necessary) into our systemOpen, delete and renew credit lines into our core processing systemOngoing review of the credit files to ensure creditworthinessObtain financial information from clientsMonitor on an ongoing basis the financial status of our credit customersMonitor on an ongoing basis the covenants of our credit customersAssure that we have translations in English of all credit proposalsMaintain Relationship Managers aware of renewals and maturitiesSpecial ProjectsOTHER RESPONSIBILITIESMust have regular and predictable attendance and work the hours and/or shifts assigned, particularly during regular business hours, to communicate with colleagues, supervisors, and customers with whom interaction is required to accomplish and complete work assignments and meet company goals within established deadlinesMust maintain courteous, professional and effective internal and external working relationshipsMust provide timely and appropriate responses to requests for information and/or customer complaints or concerns and provide appropriate follow up to ensure issues are resolvedMust receive and provide clear, constructive feedback in a cooperative and professional mannerWorking overtime and/or on weekends may occasionally be requiredMust have the ability to understand, speak, read and write in English and Spanish.COMPLIANCE RESPONSIBILITIESIn the performance of their duties, all Bci - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci's Personnel Manual and Code of Ethics and other policies of Bci which are either, currently in place or which may become effective during the staff member's employment.PRE-HIRE REQUIREMENTS FOR THIS POSITION:COMPUTER:Ability to operate IBM compatible personal computers; proficiency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint and other software needed to perform the functions of the position.EDUCATION:Bachelor's degree in Business Administration, Finance, Accounting or related fieldEXPERIENCE:Minimum two years of financial analysis experience

Keywords: Banco de Credito e Inversiones, Miami , Jr Credit Analyst, Professions , Miami, Florida