Banamex - Analista de Documentación y Procesamiento de Préstamos

The Loan Doc & Proc Analyst 1 is a trainee professional role. Requires a good knowledge of the range of processes, procedures and systems to be used in perform assigned tasks and a basic understanding of the underlying concepts and principles upon which the job is based. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Makes judgements based on the analysis of factual information. They are expected to resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own job. Individual must be accountable, ethical, results oriented, trustworthy and credible.                             

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Responsibilities:

• This role will manage preparing and reviewing loan documentation while providing support to a variety of tasks related to the loan process. Activities will include independently processing and closing loans within a complex loan operations environment
• Involved in providing day-to-day Collateral management which may include booking cash transactions and making payments, input of general ledger entries and (complex) calculations
• There may be possible interaction with other counterparties around positions and outstanding balances/claims                                                                                                                                                                                                                                                
• Supports an expansive and/or diverse array of products (risk and control) /services
• Follows established procedures to identify and resolve problems related to loan documentation/processing activities that require investigation or research and makes recommendations to management to support process improvement
• Designs and analyze moderately complex loan documentation reports for management requirements, support/control activities, and the launch of products/services
• Makes judgments based on the analysis of factual information, and provides assistance in the implementation of loan documentation process improvements
• Minimizes risk to the bank through increased knowledge of procedural requirements - understands and monitors errors to suggest process improvements, and adhere to audit and control policies
• Often related, but not limited to loan documentation processes
• Timely management and escalation of all inquiries and issues related to loan processing
• Demonstrates a sound level of understanding of products and processes, and of how duties relate/integrate with others in the team and closely related teams
• Demonstrates an excellent knowledge of Bank related systems
• Has direct interaction with external customers to disseminate or explain information
• Individuals at this level exhibit strong executional capabilities
• Utilizes strong communication, interpersonal and diplomacy skills to interact with colleagues and stakeholders, and to exchange potentially complex/sensitive information, while being sensitive to audience diversity
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.                                                                                                                                                                                                                                   

Qualifications:

• 0-2 years Experience
• Elementary level knowledge of Business Processes, Systems and Tools used in the Loan Process
• Demonstrate understanding of Loan Processes, Procedures, Products and Services
• Basic awareness of managing, preparing, and reviewing loan documentation
• Able to identify, mitigate, manage, resolve, and escalate risks and issues
• Awareness of various risks, policies and control measures and processes
• Comply with applicable laws, rules, and regulations, and adhering to Policies

Education:

• Bachelor’s/University degree or equivalent experience

Analista de Documentación y Procesamiento de Préstamos

             

Experiencia requerida

• Experiencia en el sector financiero, preferentemente en procesos de crédito o áreas de documentación de préstamos.
• Conocimiento en operaciones de préstamos, control documental y gestión de garantías.
• Experiencia en interacción con áreas internas y clientes externos.

Conocimientos

•   Procesos de documentación y procesamiento de préstamos.
•   Sistemas bancarios y plataformas de gestión documental.
•   Conceptos básicos de crédito, garantías y control de riesgo.
•   Normativa y cumplimiento aplicables al sector financiero.
•   Elaboración y análisis de reportes operativos.

Objetivo del puesto

Asegurar la correcta preparación, revisión y procesamiento de la documentación de préstamos, garantizando el cumplimiento de políticas, controles y regulaciones, así como contribuir a la mitigación de riesgos mediante la ejecución eficiente y precisa de las operaciones.

Objetivo del área

Garantizar la correcta gestión, control y formalización de las operaciones de crédito, asegurando la calidad de la documentación y el cumplimiento de los estándares regulatorios y de riesgo establecidos por la institución.

Funciones principales del Puesto

• Gestionar la preparación, revisión y validación de documentación crediticia.
• Ejecutar el procesamiento y cierre de préstamos en operaciones complejas.
• Administrar el control y registro de garantías, incluyendo transacciones y conciliaciones.
• Elaborar y analizar reportes relacionados con documentación y control de préstamos.
• Identificar, investigar y resolver incidencias en el proceso operativo.
• Dar seguimiento y escalar problemas relacionados con el procesamiento de préstamos.
• Interactuar con clientes y áreas internas para aclaraciones y gestión operativa.
• Proponer mejoras en procesos con base en análisis y experiencia.
• Asegurar el cumplimiento de políticas internas, auditoría y controles regulatorios.

Habilidades técnicas / Competencias

• Capacidad analítica y resolución de problemas.
• Trabajo bajo presión y manejo de múltiples tareas.
• Proactividad y alto sentido de responsabilidad.
• Habilidades de comunicación clara, estructurada y efectiva.
• Trabajo en equipo y colaboración con diferentes áreas.
• Orientación a resultados y cumplimiento de objetivos.
• Conocimiento y manejo de sistemas bancarios.
• Capacidad de tomar decisiones basadas en análisis de información.

Lugar de Trabajo (Domicilio Laboral)

• Moras No. 850, Col. Acacias, Ciudad de México

Observaciones Especiales

• Modalidad híbrida
• Trabajo de lunes a viernes
• Disponibilidad de horario
• Interacción constante con equipos multidisciplinarios y clientes

------------------------------------------------------

Job Family Group:

Operations - Transaction Services

------------------------------------------------------

Job Family:

Loan Documentation and Processing

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

Please see the requirements listed above.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.