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The Credit Risk Management (MCR) Division, part of the Risk Management Department of the IIC, is responsible for developing and overseeing credit risk policies, parameters and procedures; reviewing credit and investment proposals submitted to the IIC's Risk Management Department with a view to assessing risk and supporting the internal credit approval process; participating in the project portfolio supervision process to validate risk rating assessments; and strengthening the IIC's capacity to identify and manage the credit risk present in its lending operations and treasury activities (including investments and financial derivatives portfolios). The MCR Division works closely with investment officers and clients to identify opportunities to add value proactively, beyond compliance and risk mitigation, and contribute to long-term developmental impact and sustainability.
The MCR Division is searching for a highly-qualified and excellent Principal Officer who will report to the Division Chief of MCR to assist in the coordination of the Division's activities, including the coordination of a team of Credit Risk Officers whose role is to support the origination, execution and monitoring of sustainable projects. The Principal Credit Risk Officer will also support Credit Officers in providing an independent technical risk assessments of IIC's financing to financial intermediaries and corporate financings , as well as securitizations , identifying sensitive areas and issues to be addressed by various business areas of the IIC, and providing advice on potential solutions and alternatives.
Main Functions and Responsibilities:
Lead/perform the independent credit risk assessment of complex corporate financings in a variety of industries (in-depth knowledge of telecoms and or agribusiness would be a plus).
Provide an effective credit analysis, including business and industry profile of the potential Borrower, financial condition and cash flow analysis as well as reasonableness of projections. Based on risks identified provide feedback on financing structure to mitigate risks to assigned new transactions .
Provide guidance to more junior Credit Officers in risk mitigating structures for corporate lending.
Provide guidance to more junior Credit Officers on Financial Intermediaries' lending terms .
Supervise credit analysis and limits of Treasury Counterparties.
Work closely with multidisciplinary teams in the analysis of prospective transactions and make recommendations to mitigate the identified key credit risks, as part of IIC's credit approval process.
Supervise/review and ratify the internal credit risk ratings applicable to transactions, considering all dimensions involved, including borrower risks, transaction structure risks, and the macro/regulatory environment, as well as the estimated probability of default, loss-given default, and expected recoveries.
Provide oversight/review IIC's portfolio of non-sovereign guaranteed operations and undertake periodic annual reviews of credit risk and underlying risk ratings.
Review/prepare written credit recommendations on the counterparty's risk profile/rating in accordance with IIC credit policy and guidelines, and documentation standards.
Formulate well-reasoned recommendations and persuasively communicate recommendations at required committees and to senior management.
Provide guidance and advice to origination teams by applying best practices and lessons learned from experience with similar transactions.
Review and advise in the processing of all material waivers and amendments to loan documentation presented by the IIC's Portfolio Management Division.
Work closely with the IIC's Special Assets Division on troubled debt restructurings to identify suitable debt restructuring strategies, steer jointly with that Division and other stakeholders in the IIC the recovery efforts and proposed loan provisions.
Use analytical tools, risk management models and methodologies to measure IIC credit risk exposure for assigned projects and ensure that all transactions operate inside of clearly established limits.
Collaborate in the design and administration of training programs on credit issues and topics.
Contribute to IIC strategies and evaluations. Maintain a solid knowledge of IIC's polices and procedures.
Oversee preparation and dissemination of good practices and generated knowledge, further ensuring that clients are provided with capacity-building on credit risk management related topics.
Providing leadership, mentoring and support to more junior team members.
Education: An advanced degree (at least Master's or equivalent) in Finance, Business Administration, or other relevant field.
Experience: At least 15 years of relevant professional experience in a credit risk-related function, preferably in a similar role at a peer institution, financial services provider, or professional services firms.
Language Skills: Oral and written professional proficiency in English and Spanish required; knowledge of Portuguese and/or French desirable.
Strategic Risk: Assesses and manages risk to IIC strategy, reputation, financial and organizational health, especially those imposed by the uncertainties of the internal/external environment.
Credit Risk: Conducts financial and credit risk assessment and analytical due diligence on IIC projects.
Operational Risk & Internal Controls: Assesses and manages risks associated with internal processes, systems and human factors.
Project Design and Structuring: Collaborates in the structuring of projects that are sustainable financially and developmentally, and contribute to the IIC's mission.
Financial Analysis & Modeling: Demonstrates ability to apply deep financial understanding to the development of structured products, client projects and transactions.
Relationship Management: Manages internal or external clients and their needs by building relationships, maintaining contact, and gathering a deep understanding of their function or business.
Product Knowledge: Builds understanding of IIC projects and products, including how they are uniquely positioned for particular client segments, scenarios, financial or developmental needs.
Negotiation and Advocacy: Balances interests of multiple parties (internal/external) to reach mutually acceptable terms and conditions (i.e., "win/win" agreements).
Project Implementation & Supervision: Manages the implementation and execution of projects, including tying results to original strategy, flexing to new situations/conditions and intervening when necessary to keep projects on track.
Sector & Thematic Expertise: Develops and applies specialized sector or strategic thematic expertise to projects.
Quantitative Analysis: Uses analytical tools and processes to analyze and evaluate data and information.
Contracts & Legal Agreements: Applies best practices to the management of contracts and legal agreements.
Client Focus: Understands client needs and provides services that meet their expectations for quality and performance; meets the IIC's expectations for ethical behavior.
Quality and Efficiency in All We: Creates and/or implements standards of excellence for products and services ensuring consistency, accuracy, reliability and efficiency. Continuously seeks new ways of making processes run smoother and faster to enhance outcomes.
Innovation and Creativity: Develops imaginative ideas and solutions through creativity, experimentation and critical thinking.
Communication, Influence and Accountability: Communicates effectively and leverages relationships and strategies to influence others
Developing People & Teams to Deliver Results: Builds employee talent and capability and communicates their accountability for development as well as meeting business goals.
Promoting Diversity, Inclusion and Collaboration : Improves and ensures a diverse and collaborative environment by actively working to build, coach and empower teams with diverse backgrounds (e.g., gender, ethnic origin, disability, sexual orientation, background, perspective).
The IIC offers a competitive benefits and compensation package.
The IIC is committed to diversity and inclusion and to providing equal opportunities in employment. We embrace diversity on the basis of gender, age, education, national origin, ethnic origin, race, disability, sexual orientation, religion, and HIV/AIDs status. We encourage women, Afro-descendants and persons of indigenous origins to apply.