VP Remedial Management Officer

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. \------------------------------------------------------ **Job Family Group:** --------------------- Risk Management \------------------------------------------------------ **Job Family:** --------------- Remedial Management \------------------------------------------------------ **Time Type:** -------------- Full time \------------------------------------------------------ **Most Relevant Skills** ------------------------ Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ **Other Relevant Skills** ------------------------- For complementary skills, please see above and/or contact the recruiter. \------------------------------------------------------ _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._ _If you are a person with a 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