Credit Officer

Description

Position Summary: Grupo Findep is seeking a Credit Officer for Financiera Independencia, responsible for conducting detailed analysis and effectively approving SME loans while mitigating non-payment risk. Key Responsibilities: 1. Detailed analysis for SME credit approval 2. Evaluation of credit applications and proposal of methodologies 3. Risk management and credit models Grupo Findep is searching for new talent. Financiera Independencia belongs to Grupo Findep, a Mexican financial group where human value is fundamental in daily operations. Therefore, we seek committed, honest collaborators eager to join our UNSTOPPABLE FORCE as: **CREDIT OFFICER** **Requirements:** * Knowledge areas: Analysis of SME sector loan applications (experience in consumer credit analysis is desirable) * 3 years of experience * Software: Microsoft Office (advanced Excel, macro proficiency desirable), SQL, and preferably some programming language. **Objective**: Ensure detailed analysis for effective SME credit approval, strictly adhering to policies and strategies established by the group. Always manage credit approval risk through evaluation of various parameters that mitigate non-payment risk. **Responsibilities:** * Evaluate incoming credit applications * Propose new analytical methodologies and recommend approved applications to the Credit Committee * Reject credit applications failing to meet established criteria * Ensure compliance with policies and procedures stipulated in product-related manuals * Prepare administrative reports and analyze various portfolio monitoring indicators * Participate in new implementation projects (conduct testing, training, and support for new requirements) * Participate in reviews conducted by various internal or external entities to ensure full compliance with established policies. **Knowledge:** * **Financial Statement Interpretation** * Profit and Loss Statement * Cash Flow Statements and financial indicators for decision-making * Experience in analysis and authorization of Microloans and SME Loans (term loans and revolving credit) * Risk Management * Application of methodologies * Credit model management * Information exploitation using various tools Compensation and additional benefits Gross monthly salary: $ 35,000 GROSS Life insurance Work location: Santa Fe Working hours: Monday to Friday, hybrid mode—3 days in office, 2 days at home