Portfolio & Credit Analyst

About the role

To support the Lending Manager - Central America and North America (LM CNA) by maintaining Shared Interests lending portfolio in the region and through the execution of various administrative tasks. Builds and develops relationships with existing customers through regular contact and visits. To act as main point of contact when LM CNA is absent from the office.

Responsibilities

• Manages a portfolio of existing customers, paying special attention to each customers key lending risks and financial needs, carrying out agreed visit plans (if safety conditions are met), and preparing various related performance reports.
• Conducts the annual review of customer facilities ensuring that all required information is gathered, analysed and reported. Processes facility increases if required.
• Works in an assigned geographical area to maximise lending income, maintain a quality portfolio, and control risks effectively in line with corporate objectives, business plan, lending targets and lending limits.
• Handles customer transactions and requests on daily basis coordinating with customers and colleagues.
• Follows up any customers not fully utilising their facilities or where further investigation is required (e.g., bad debts).
• Develops and maintains excellent relationship with both new and existing customers through effective communication (e.g., telephone, Skype, WhatsApp, email, etc.).
• Attends trade fairs, partner forums and other ad hoc activities involving customers & potential customers as required.
• Develops relationships with networks and partners within the region.
• Manages administrative tasks for the regional office.
• Supports the work of Shared Interest Foundation and, if applicable, acts as liaison in region to help with the projects monitoring.

Education and Qualifications

• Educated to at least university degree level (ideally in business administration, finance, accounting, or equivalent)
• Fluency in English and Spanish, both written and oral
• At least 2 years of experience of working in a customer-facing role
• Extensive experience in credit appraisal and evidence of understanding and interpreting financial statements and information
• Ability to assess cash flows
• IT literate - MS Office and the internet