Senior Credit Analyst
2 weeks ago
Resumen:
El Analista de Crédito Senior - IF es responsable de evaluar y supervisar la solvencia crediticia de los clientes y cuentas asignadas, así como de recomendar y/o aprobar créditos dentro de las pautas establecidas.
Esto incluye el análisis de estados financieros y la realización de análisis de ratios y tendencias para determinar la elegibilidad de un cliente para financiamiento.
Funciones y Responsabilidades:
Elaborar narrativas de crédito de alta calidad en apoyo a nuevos préstamos y a los existentes. Revisar y analizar diversas transacciones, incluyendo la evaluación de solicitudes, estados financieros, balances, informes de D&B, entre otros.
Realizar el desglose de estados financieros empresariales y declaraciones de impuestos utilizando software de Moody's para analizar tendencias y ratios de varios años a partir de la información financiera.
Comprender el flujo de efectivo de las operaciones, identificando fuentes de flujo de efectivo recurrentes y no recurrentes.
Investigar tendencias y riesgos de la industria.
Realizar análisis de colateral, incluyendo cuentas por cobrar, inventarios, bienes raíces e inversiones.
Generar informes de crédito y recopilar/analizar información KYC.
Desglosar estados financieros personales y declaraciones de impuestos de los garantes individuales, desarrollando un análisis global de flujo de efectivo del prestatario y del garante.
Colaborar con otras áreas para monitorear la morosidad, las tendencias de morosidad y la actividad de recuperación.
Realizar un seguimiento anual de los estados financieros de los prestatarios y rastrear la recepción de esta información por parte del Banco.
Preparar recomendaciones escritas sobre si el préstamo propuesto debe ser aprobado tal como se presenta, y proporcionar recomendaciones de estructuras de préstamo alternativas.
Presentar al comité de préstamos para la aprobación de préstamos. Comunicar decisiones.Realizar otras tareas según se asignen.
Calificaciones Básicas:
Título universitario en Finanzas, Contabilidad, Negocios o campo relacionado.
Más de 3 años de experiencia en la evaluación de crédito mayorista/comercial y autoridad previa de aprobación de crédito.
Calificaciones Preferidas:
Título de Maestría.
Orientación al detalle con la capacidad de analizar flujo de efectivo, apalancamiento y evaluar la fortaleza del cliente. Se prefiere experiencia con montos de transacciones que oscilan entre 2MM y 10MM.
Experiencia en préstamos a una amplia variedad de industrias, tipos de préstamos y tamaños de empresas es preferida.
Excelentes habilidades de comunicación escrita/verbal y presentación.
Capacidad demostrada para tomar decisiones comerciales sólidas mientras se protegen los intereses del banco.
Fuertes habilidades técnicas.
Estado Exento:
(Sí = no elegible para pago de horas extras) (No = elegible para pago de horas extras)
Tipo de Lugar de Trabajo:
Híbrido. Huntington es un empleador de igualdad de oportunidades y acción afirmativa, y está comprometido a proporcionar oportunidades de empleo equitativas para todos, independientemente de raza, color, religión, sexo, origen nacional, edad, discapacidad, orientación sexual, estado de veterano, identidad de género y expresión, información genética, o cualquier otra base protegida por la ley local, estatal o federal.
Práctica de Contratación Libre de Tabaco:
Visite el sitio web de carreras de Huntington para más detalles.
Declaración de Agencia:
Huntington no acepta solicitudes de reclutadores de terceros para ninguna posición.
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