Senior Credit Analyst

Job Description

BCI 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.

The Senior Credit Analyst assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing.

The Senior Credit Analyst serves as backup to the SVP Credit Risk Manager.

• Provide guidance to staff involved in credit analysis in domestic and international offices.
• Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed.
• Borrower assessment: its structure, its operations, the industry in which it operates.
• Assessment of the loan structure being requested.
• Accurately spread and analyze historical financial statements together with relevant projections to assess borrower’s ability to repay.
• Determine and assess key credit risks and corresponding mitigants.
• Determine and assess key strengths and weaknesses.
• Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing.
• Complement analysis with research and evaluation of market data using databases from Standard & Poor’s, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing.
• Identify and document exceptions to Credit Policy.
• Recommend the credit risk rating to be assigned to the borrower following established policies and procedures.
• Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee.
• Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions.
• Monitor industry trends and economic developments to identify potential areas of risk in the loan portfolio.
• Ensure credit files contain all relevant documentation related to approved credits.
• Maintain courteous, professional and effective internal and external working relationships.
• Provide constructive feedback and suggestions in a cooperative professional manner.
• May assist with the process of internal / external audits, loan reviews and regulatory examinations.
• Effectively speak before groups of customers or employees.
• Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed).
• Provide coverage for other positions as requested and serve as backup to the SVP Credit Manager.
• May supervise and train junior credit analysts.

• Strong understanding of risk management and credit mitigants
• Strong analytical and financial modeling ability
• Good working knowledge of Standard & Poor’s and Moody’s analytical tools
• Strong verbal and written communication skills
• Excellent knowledge of US Regulatory Guidance and relevant laws and regulations
• Ability to understand, speak, read and write English and Spanish
• Effectively speak before groups of customers or employees

• Assume evolving duties…