The Asssociate will conduct all activities of the Latin America Corporate Finance Group (LADA-CF) including (i) monitoring special credit names and identifying potentially deteriorating credit in LADA, (ii) providing informed and proactive credit advice to LADA marketing officers at early stage of deal originations, (iii) supporting day-to-day portfolio management activities of LADA with focus on corporate transactions, and (iii) facilitating smooth communications with our credit department and other relevant departments on special credit management and new transactions.
The Associate will also be responsible for managing the credit application process from start to finish, assist in the negotiation and review of legal documentation and participate in the activities involved in the ongoing monitoring of the portfolio.
This position reports directly to the Team Leader of Corporate Finance.
- Support marketing officers in managing the entire internal credit application process and its timing. Coordinate with credit department to implement internal logistics for new credit applications and liaise between LADA and credit department.
- Coordinate with relationship managers, clients, counsels, etc., to identify and gather all appropriate information for internal special credit management including special credit meetings and/or ad-hoc inquiries from credit department.
- Conduct reviews of the borrowers and handle a variety of system and procedural issues related to the borrowers such as KYC, internal grading, periodic reporting items, and other ad hoc projects.
- Manage credit applications, amendments, deal closings and funding, and other credit events that may impact the borrower.
- Prepare internal presentations for meetings with credit department on special credit names as well as on new transactions (by supporting marketing officers) and prepare client materials (presentations, proposals, RFPs, term sheets, etc.)
- Undertake research and analytics; gather information from local media, staff and other sources about existing and potential special credit names or related industries, and share the information with relevant staff/departments.
- Attend bank meetings, industry events, conferences and seminars to maintain sharp knowledge of the market/clients and start to build a network of industry contacts.
- 2 to 5 years of comparable or relevant experience or minimum of 4 years working as a credit analyst at an international corporate or investment bank.
- Good understanding of corporate financing, financial analysis, various industries in Latin America as well as LatAm lending.
- Required: BA / BS (or equivalent experience)
- Formal credit training a plus.
- Required: Fluent in Spanish. Portuguese a plus.
- Experienced in reading and interpreting financial statements and perform cash flow analysis proficiently. Strong analytical and critical thinking skills, ability to synthesize large amounts of information, analyze risk and identify mitigating factors.
- Proficient in Excel (ability to manipulate data, equations and analysis) and experience creating financial models.
- Strong knowledge of internal policies, processes, grading and other systems. Able to work well in a culturally diverse and team oriented environment. Demonstrates intellectual curiosity and an interest in continuous learning.
- Participate in the negotiation of terms and conditions and legal documentation and assist the senior relationship manager in the review of legal documents.
- Highly collaborative and flexible in a team and client environment and ability to form good relationships internally and externally. Able to coordinate and communicate with various internal departments across the bank (middle/back office, global counterparts).
- Able to communicate effectively with clients, senior management and other internal departments. Organizes thoughts and clearly articulates points, both verbally and in writing.
- Demonstrates a high degree of attention to detail and an ability to complete work accurately and in a timely manner against strict deadlines.
- Self-driven and motivated; takes personal ownership of specific assignments. Able to raise flags and/or consult with senior members as appropriate.