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Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, youll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Loan Doc & Proc Analyst 2 is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures, or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.                                          

Individual must be accountable, ethical, results oriented, trustworthy, and credible.                                

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

• This role will manage preparing and reviewing loan documentation while providing support to a variety of tasks related to the loan process.
• Activities will include independently processing and closing loans within a complex loan operations environment
• Involves in providing day-to-day loan transactional processing which may include booking cash transactions and making payments, performing loan reconciliations, input of general ledger entries and (complex) calculations. In addition, there will be possible interaction with other counterparties around positions and outstanding balances/claims.                                                                                     
• Supports an expansive and/or diverse array of products (risk and control) /services.
• Follows established procedures to identify and resolve problems related to loan documentation/processing activities that require investigation or research.
• Make recommendations to management to support process improvement.
• Resolves problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Designs and analyses moderately complex loan documentation reports to satisfy management requirements, support/control activities, and the launch of products/services.
• Makes evaluative judgments based on the analysis of factual information and provides assistance in the implementation of loan documentation process improvements.
• Minimizes risk to the bank through increased knowledge of procedural requirements - understands and monitors errors to suggest solutions to reduce errors, and to adhere to audit and control policies
• Timely management and escalation of all inquiries and issues related to loan processing
• Has direct interaction with external customers to disseminate or explain information
• Demonstrates an intermediate level of understanding of products and processes, and of how duties relate/integrate with others in the team and closely related teams
• Demonstrates an excellent knowledge of Bank related systems.
• Utilizes communication, interpersonal and diplomacy skills to interact with colleagues and stakeholders, and to exchange potentially complex/sensitive information, while sensitive to audience diversity
• Individuals at this level exhibit executional capabilities
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.                                                                                                                                                                                                                                                                      

Qualifications:

• 0-2 years relevant experience
• Elementary level knowledge of Business Processes, Systems and Tools used in the Loan Process
• Demonstrate understanding of Loan Processes, Procedures, Products and Services
• Basic awareness of managing, preparing, and reviewing loan documentation
• Able to identify, mitigate, manage, resolve, and escalate risks and issues
• Awareness of risk types, policies and control measures and processes
• Comply with applicable laws, rules, and regulations, and adhering to Policies

Education:

• Bachelors/University degree or equivalent experience

• Experiencia requerida
•   De 1 a 2 aos de experiencia en el sector financiero o en funciones relacionadas con procesamiento y documentacin de prstamos.
•   Experiencia en operaciones de crdito, conciliaciones, registro de transacciones y control documental.
•   Interaccin con reas internas y clientes externos.
•   Participacin en anlisis de procesos, control de riesgo o mejora operativa.

• Conocimientos 
•   Procesos de documentacin y procesamiento de prstamos.
•   Sistemas bancarios relacionados con crdito y operaciones.
•   Anlisis de datos operativos y deteccin de inconsistencias.
•   Polticas, controles y regulacin aplicables (riesgo, auditora, compliance).
•   Elaboracin y anlisis de reportes operativos.
•   Manejo de conciliaciones, registros contables y clculos financieros bsicos/intermedios.

• Objetivo del puesto

Ejecutar y asegurar el adecuado procesamiento, anlisis y control de la documentacin de prstamos, identificando riesgos, inconsistencias y oportunidades de mejora, contribuyendo al cumplimiento de estndares operativos, regulatorios y de calidad del banco.

• Objetivo del rea

Asegurar la correcta ejecucin de los procesos de documentacin y procesamiento de prstamos, garantizando la calidad, cumplimiento normativo y mitigacin de riesgos en las operaciones de crdito

• Funciones principales del Puesto
•   Gestionar la preparacin, revisin y validacin de la documentacin de prstamos.
•   Procesar y cerrar operaciones de crdito de manera independiente en entornos complejos.
•   Ejecutar el registro de transacciones, conciliaciones y operaciones contables asociadas.
•   Analizar informacin, detectar inconsistencias y generar recomendaciones de mejora.
•   Elaborar y analizar reportes operativos y de control.
•   Identificar, investigar y resolver incidencias en procesos de crdito.
•   Dar seguimiento y escalar oportunamente problemas operativos.
•   Interactuar con clientes y contrapartes para aclaraciones de saldos, cargos o reclamaciones.
•   Contribuir a la mejora continua de procesos mediante recomendaciones a la gerencia.
•   Asegurar el cumplimiento de polticas internas, regulatorias y de control.

• Habilidades tcnicas / Competencias que debe tener el Candidato
•   Capacidad analtica y pensamiento crtico.
•   Atencin al detalle.
•   Habilidad para resolver problemas y tomar decisiones basadas en datos.
•   Comunicacin efectiva, clara y estructurada (oral y escrita).
•   Trabajo en equipo y colaboracin interreas.
•   Capacidad para trabajar bajo presin y manejar mltiples tareas.
•   Proactividad y sentido de responsabilidad.
•   Adaptabilidad a entornos dinmicos.
•   Habilidades interpersonales y diplomacia en la interaccin con stakeholders.
• Lugar de Trabajo (Domicilio Laboral)

Moras No. 850, Col. Acacias, Ciudad de Mxico

• Observaciones Especiales
•   Modalidad: Hbrido
•   Disponibilidad de tiempo
•   Nivel: C10
•   Publicacin interna y externa
•   Interaccin constante con equipos multidisciplinarios y clientes externos
•   Enfoque en control de riesgo, cumplimiento normativo y calidad operativa.

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Job Family Group:

Operations - Transaction Services

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Job Family:

Loan Documentation and Processing

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Time Type:

Full time

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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