ABOUT BCI

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.

JOB SUMMARY

Provide a sound, independent and objective assessment on risk factors of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and international environments. 

This position will also oversee credit risk management and maintenance of credit quality for the respective assigned portfolio. 

Credit facilities include working capital lines, trade financing, term loans, acquisition financing, project financing and Asset Based Lending (ABL) lines.

DUTIES OF THE POSITION

The duties of the position include, but are not limited to, the following: 

• 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.

• Analyze and present collateral-based credit requests following established policies and procedures.

• Perform the timely annual review of existing credit relationships in assigned portfolio, identify necessary risk rating changes and correct errors or inconsistencies as needed. This includes verifying the proper calculation of financial covenants, when applicable. 

• Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions and ensure proper calculation of financial covenants.

• Monitor industry trends and economic developments to identify potential areas of risk in the assigned portfolio.

• Ensure credit files contain all relevant documentation related to approved credits.

• Provide coverage for other positions as requested.

• Maintain courteous, professional and effective internal and external working relationships.

• Provide constructive feedback and suggestions in a cooperative professional manner.

• Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed).

• Assume evolving duties and responsibilities of the position.

• Perform additional duties and responsibilities as assigned by management.

• Travel as required.

COMPLIANCE RESPONSIBILITIES

In the performance of their duties, all BCI - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI’s Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member’s employment. 

PRE-HIRE REQUIREMENTS FOR THIS POSITION:

COMPUTER:

Ability to operate IBM compatible personal computers, fluency with Microsoft Word, Microsoft Excel and Microsoft PowerPoint 

EDUCATION:

Bachelor’s degree in Business Administration, Finance, Accounting or related field. 

EXPERIENCE:

• Minimum seven years of credit underwriting/credit analysis professional experience in a regulated USA financial institution with international exposure.

• Working knowledge of markets/industries in Latin America would be a plus.

• Working knowledge of banking products and related documentation.

• Fluent in both English and Spanish