Senior Credit Analyst

About Us:

TRATON Financial Services Mexico is a leading company in the automotive financial sector, dedicated to offering innovative and personalized financing solutions for commercial vehicles.

We are currently seeking a Sr. Credit Analyst responsible for evaluating and structuring the best financing decisions.

Responsibilities:

• Preparation of credit studies: Analyze financial information, calculate key ratios, evaluate strengths and weaknesses, review credit history at Buró (credit bureau), weigh market and legal risks, and review financial projections to issue the technical opinion that determines loan authorization (simple loan, financial lease, and pure lease) before the Credit Committee.
• Regulatory compliance: Strictly observe the responsibilities outlined in the current Circular Única de Bancos (Single Banking Circular).
• Evaluation methodologies: Establish the corresponding evaluation methods for the approval of different types of credit.
• Viability and payment capacity: Conduct project viability analysis and determine the payment capacity of borrowers.
• Committee Management: Safeguard and custody the minutes and records resulting from Credit Committee sessions.
• Condition control: Verify that the interest rate assignment criteria according to inherent risk are aligned with the provisions of the Credit Manual.

Requirements:

• Education: Bachelor's degree in Accounting, Financial Administration, or Finance (graduated).
• Experience: 3 to 5 years in the Corporate Credit area.
• Technical knowledge: Accounting, in-depth financial analysis, interpretation of Buró de Crédito (credit bureau) and commercial law databases.
• Languages: Advanced English.
• Tools: Advanced Excel.

If you are interested in this opportunity and meet the required profile, apply through this channel or send your updated resume to [email protected]