Credit Risk Manager

Job TitleThis position vetos transactions that go to committee to be booked by the Branch as well as acts as backup for the Head of Credit in the approval process. CM manages and coordinates activities of personnel engaged in conducting credit underwriting of prospective loan customers, preparing documents to substantiate creditworthiness. Must have extensive knowledge of commercial underwriting. Including Corporate (focus LATAM), CRE, Private Banking lending. Responsible for loan policies and credit risk policies and procedures.Duties Of The PositionThe duties of the position include, but are not limited to, the following:Responsible for accepting transactions to be booked in the branch. The CM will veto transactions to be included for approval into committees and is empowered to reject all transactions that do not meet BCI Miami standards.Provides guidance and direction to his team, including setting performance standards and supervises performance.Identifies the developmental needs of subordinates by coaching, mentoring, and giving constructive feedback to improve their knowledge skills.Ensures adherence to legal and company policies and procedures and undertake disciplinary actions if the need arisesConcludes if credit facility meets sound underwriting standards and they don't pose greater of normal riskReviews, presents and prepare if needed credit proposals with respective analysis of financial statements for every credit customer to be presented to credit committeeManages a group of analysts by directing and coordinating activities consistent with established goals, objectives, and policiesProvides mentoring and guidance to subordinates and other employeesCoordinates and recommends revision of policies, procedures and agreements to guarantee compliance with current regulation. Ensures that deviations from policy are corrected and reportedSuggests programs to ensure accomplishment of business plan for growth and profitEscalates to senior management as to risk on complex loan credit facilities or unexpected market conditionsActively participates in or facilitates committees related to risk management, and quality improvementMonitor and analyze pertinent information after approval into our online systemMonitors and traces if necessary of respective approvals from Head OfficeReviews the opening, deletion, and renewal of credit lines into our systemOngoing review of the credit files to guarantee completeness and creditworthiness. Traces if any information is missingActively participates when internal auditors, external asset quality review, and regulators are auditing the Branch. Contributes with credit issues, and monitors timely audit findings solutionAssists Head Office with information and ratings of customers in North and South AmericaMonitors on an ongoing basis the financial performance of our credit customersAbility to understand, speak, read and write English and SpanishEffectively speaking before groups of customers or employeesAssume evolving duties and responsibilities of positionWork all hours required to fulfill job duties and responsibilities (including, weekends, evenings and holidays as needed)Travel as requiredProvide coverage for other positions as requestedPerform additional duties and responsibilities as assigned by managementCompliance ResponsibilitiesIn 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 PositionComputer:Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel and Microsoft PowerPointEducation:Bachelor's degree in a related field or equivalent combination of coursework and work experienceExperience:At least 10 years of related experience.