The VP Remedial Management Officer is responsible for providing independent valuation and financial analysis support for the Bank’s portfolio of non-performing loans (NPLs) and distressed exposures. The role supports strategic decision-making related to restructuring, recovery, refinancing, enforcement, and exit strategies by assessing the value of underlying collateral, businesses, and loan cash flows.

Working closely with Special Assets Transactors, Internal / External stakeholders, the analyst will evaluate complex credit situations and provide recommendations that optimize recovery outcomes while ensuring compliance with the Bank’s risk management framework.

Key Responsibilities

Credit Analysis & Portfolio Management

• Conduct detailed valuations of distressed assets, including corporate entities, commercial real estate, and other forms of collateral supporting non-performing loans

• Develop and maintain financial models using discounted cash flow (DCF), liquidation, and market-based valuation methodologies

• Perform scenario analysis and stress testing to assess recovery prospects under various restructuring and enforcement strategies

• Evaluate borrower business plans, cash flow forecasts, and turnaround strategies to determine viability and repayment capacity

• Analyse financial statements, management accounts, and industry trends to identify key valuation drivers and risks

Credit Recovery and Remedial Management Support

• Support remedial management teams in developing restructuring, refinancing, and exit strategies for distressed exposures

• Assess collateral coverage, recovery values, and potential loss estimates to support provisioning and impairment decisions

• Prepare valuation reports and recommendations for internal credit committees, senior management, and regulatory reviews

• Closely monitor performance of portfolio accounts and identify changes in collateral values or borrower circumstances that may impact recovery outcomes

• Assist with enforcement strategies, asset disposals, and insolvency proceedings where required

• Contribute to the development of new analytical techniques, workflow enhancements, and process improvements within the Remedial Management function

Stakeholder Management & Governance

• Liaise with SA transactors, Credit Risk Managers, Legal, and Finance teams to ensure a coordinated approach to problem-credit management

• Present valuation findings and recovery recommendations to senior stakeholders and governance committees.

• Ensure all valuations comply with the Bank’s internal policies, regulatory standards, and accounting requirements.

• Maintain comprehensive documentation supporting valuation assumptions, methodologies, and recommendations.

• Support internal audits, regulatory reviews, and model validation exercises.

Qualifications & Experience

Required:

• Education: Bachelor's degree in careers like Business Administration, Accounting, Finance, Economics and similars.

• Advance level in English and Spanish

• Experience: 5-8 years of relevant experience in credit analysis, corporate restructuring, distressed debt, special assets, or corporate/investment banking.

• Ability to analyze and evaluate financial statements, corporate business plans, and cash flows across a diverse range of industrial sectors.

• Hands-on experience with corporate valuation methodologies, including Discounted Cash Flow (DCF) and relative valuation (multiples) techniques.

• Advanced financial modeling and analytical skills, including proficiency in Microsoft Excel and financial analysis tools.

• Good written and verbal communication skills, with a proven ability to negotiate, influence decisions, and build relationships with senior internal and external stakeholders.

• Ability to work autonomously with high accountability, while also collaborating effectively as a proactive team player.

• Able to work in a hybrid mode from Mexico Citi

Preferred:

• Master of Business Administration (MBA) in Finance, Chartered Financial Analyst (CFA), or an equivalent advanced professional degree.

• Experience working with non-performing loans, distressed debt, restructuring transactions, or insolvency cases is highly desirable.

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Job Family Group:

Risk Management

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Job Family:

Remedial Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

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

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