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, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
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.
Responsibilities:
- 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:
- Bachelor’s/University degree or equivalent experience
- Experiencia requerida
- De 1 a 2 años de experiencia en el sector financiero o en funciones relacionadas con procesamiento y documentación de préstamos.
- Experiencia en operaciones de crédito, conciliaciones, registro de transacciones y control documental.
- Interacción con áreas internas y clientes externos.
- Participación en análisis de procesos, control de riesgo o mejora operativa.
- Conocimientos
- Procesos de documentación y procesamiento de préstamos.
- Sistemas bancarios relacionados con crédito y operaciones.
- Análisis de datos operativos y detección de inconsistencias.
- Políticas, controles y regulación aplicables (riesgo, auditoría, compliance).
- Elaboración y análisis de reportes operativos.
- Manejo de conciliaciones, registros contables y cálculos financieros básicos/intermedios.
Ejecutar y asegurar el adecuado procesamiento, análisis y control de la documentación de préstamos, identificando riesgos, inconsistencias y oportunidades de mejora, contribuyendo al cumplimiento de estándares operativos, regulatorios y de calidad del banco.
Asegurar la correcta ejecución de los procesos de documentación y procesamiento de préstamos, garantizando la calidad, cumplimiento normativo y mitigación de riesgos en las operaciones de crédito
- Funciones principales del Puesto
- Gestionar la preparación, revisión y validación de la documentación de préstamos.
- Procesar y cerrar operaciones de crédito de manera independiente en entornos complejos.
- Ejecutar el registro de transacciones, conciliaciones y operaciones contables asociadas.
- Analizar información, detectar inconsistencias y generar recomendaciones de mejora.
- Elaborar y analizar reportes operativos y de control.
- Identificar, investigar y resolver incidencias en procesos de crédito.
- 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 políticas internas, regulatorias y de control.
- Habilidades técnicas / Competencias que debe tener el Candidato
- Capacidad analítica y pensamiento crítico.
- Atención al detalle.
- Habilidad para resolver problemas y tomar decisiones basadas en datos.
- Comunicación efectiva, clara y estructurada (oral y escrita).
- Trabajo en equipo y colaboración interáreas.
- Capacidad para trabajar bajo presión y manejar múltiples tareas.
- Proactividad y sentido de responsabilidad.
- Adaptabilidad a entornos dinámicos.
- Habilidades interpersonales y diplomacia en la interacción con stakeholders.
- Lugar de Trabajo (Domicilio Laboral)
Moras No. 850, Col. Acacias, Ciudad de México
- Observaciones Especiales
- Modalidad: Híbrido
- Disponibilidad de tiempo
- Nivel: C10
- Publicación interna y externa
- Interacción constante con equipos multidisciplinarios y clientes externos
- Enfoque en control de riesgo, cumplimiento normativo y calidad operativa.
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Operations - Transaction Services
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Loan Documentation and Processing
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Full time
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Please see the requirements listed above.
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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.
