Analista III en unidad de riesgos financieros analizando procesos y proponiendo mejoras para Grupo Bancolombia.
About the role
- Credit Analyst conducting comprehensive credit analysis for commercial and agricultural members. Recommending risk mitigation strategies and collaborating with account managers in a hybrid environment.
Responsibilities
- Conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members
- Identifying strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application
- Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
- Assess creditworthiness of business and agricultural members
- Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
- Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests
- Present analysis, findings, and recommendations in a clear, concise manner within the Business Credit Application
- Provide recommendations for credit structure, security, and risk mitigation through use of covenants and conditions
- Prepare supporting documents such as charts, reports, spreadsheets and models to support analysis of new and existing credit applications
Requirements
- Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
- One year experience in a business banking role preferred
- Demonstrated desire to serve others in a friendly and professional manner
- Ability to identify and willingness to assist with sales and service opportunities
- Strong interpersonal and communication skills, both verbal and written
- Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
- Ability to build trust and credibility with team members throughout the organization
- Ability to work in a fast-paced team environment and perform well under pressure
- Ability to prioritize using sound judgment to make timely and effective decisions
- Superb attention to detail with exceptional degree of accuracy
- Strong knowledge of risk management within the financial industry
- Advanced computer skills
Benefits
- 100% company paid health benefits
- Employer-matched pension plan
- Continuing education
- Career advancement opportunities
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