Credit Portfolio Manager

Vintti is a specialized staffing agency that believes diversity is the catalyst for innovation. We connect US-based SMBs, startups, and firms with exceptional talent from Latin America, fostering a rich tapestry of cultural perspectives within American businesses. Our unique position allows us to handpick professionals who not only possess the required skills but also bring fresh ideas and global insights to the table. Vintti's services go beyond filling positions; we enrich company cultures and expand business horizons on an international scale.

A Credit Portfolio Manager is responsible for overseeing and managing a company's credit portfolio to ensure optimal performance and risk management. This role involves analyzing and assessing the creditworthiness of various entities, monitoring and reviewing portfolio performance, and making strategic recommendations to enhance investment returns while mitigating potential risks. Credit Portfolio Managers work closely with other financial professionals to develop and implement credit strategies, ensuring compliance with regulatory requirements and aligning with the organization's overall financial goals. Their expertise is crucial in maintaining a balanced and profitable credit portfolio.

- Bachelor's degree in Finance, Economics, Business Administration, or related field.
- MBA or advanced degree in a related field preferred.
- Professional certification such as CFA, FRM, or equivalent is a plus.
- Minimum of 5 years' experience in credit risk management or related roles.
- Strong understanding of credit risk principles and practices.
- Experience with credit risk modeling and analysis tools.
- Proficiency using financial analysis software and MS Office Suite, especially Excel.
- Excellent analytical and quantitative skills.
- Strong attention to detail and accuracy.
- Proven ability to manage multiple credit portfolios simultaneously.
- Solid understanding of economic trends and financial markets.
- Experience with regulatory compliance requirements in credit risk.
- Strong communication and presentation skills.
- Ability to present complex information in a clear and concise manner.
- Proven experience in developing and implementing credit risk strategies.
- Strong collaboration and teamwork skills.
- Ability to work effectively with cross-functional teams.
- High level of integrity and professional ethics.
- Strong problem-solving skills and ability to think strategically.
- Ability to work under pressure and meet tight deadlines.
- Experience with database management and reporting.

- Analyze individual borrower credit risk and loan portfolio performance.
- Monitor the performance of assigned credit portfolios.
- Conduct regular credit reviews and prepare risk assessment reports.
- Develop strategies to mitigate credit risk.
- Review and approve new credit applications and renewals.
- Collaborate with underwriters and analysts for accurate risk evaluation.
- Monitor industry trends and economic conditions impacting credit risk.
- Perform scenario and stress testing on credit portfolios.
- Communicate risk findings and recommendations to senior management.
- Coordinate with regulatory bodies for compliance with credit policies and regulations.
- Maintain current knowledge of financial markets and economic trends.
- Participate in the development of credit risk models and tools.
- Provide training sessions on credit risk management practices.
- Work with IT teams to enhance credit risk management systems and reporting tools.
- Attend client meetings to discuss credit needs and propose solutions.
- Develop and maintain relationships with internal and external stakeholders.
- Prepare and present credit portfolio performance reports to the Board of Directors.
- Review and update credit policies and procedures periodically.
- Ensure accurate documentation and record-keeping of credit decisions.
- Provide insights and recommendations for credit risk management improvements.

The ideal candidate for the Credit Portfolio Manager role will possess a solid academic foundation with a Bachelor’s degree in Finance, Economics, Business Administration, or a related field, supplemented by an MBA or an equivalent advanced degree, and professional certifications such as CFA or FRM. With at least five years of substantive experience in credit risk management, they will exhibit a robust understanding of credit risk principles and a proven track record in developing and implementing effective credit strategies. Their proficiency in credit risk modeling, financial analysis software, and the MS Office Suite, particularly Excel, is essential. The candidate will bring excellent analytical and quantitative acumen with meticulous attention to detail and accuracy. Their exceptional communication and presentation skills will enable them to convey complex information succinctly to senior management and stakeholders. Demonstrable experience in managing multiple credit portfolios, along with a solid grasp of economic trends and regulatory compliance, highlights their competence in navigating complex financial landscapes. Additionally, the ideal candidate will display a high level of professional integrity, strategic thinking, and problem-solving abilities, coupled with a proactive, self-motivated attitude. They will thrive under pressure, managing deadlines effectively while fostering a collaborative environment, mentoring junior staff, and maintaining strong relationships with key stakeholders. Their commitment to continual learning, adaptability to new methodologies, and up-to-date industry knowledge will set them apart, ensuring they remain agile in responding to evolving market and economic conditions.

- Analyze the credit risk of individual borrowers and loan portfolios.
- Monitor and manage the performance of assigned credit portfolios.
- Conduct regular credit reviews and prepare risk assessment reports.
- Develop and implement strategies to mitigate credit risk.
- Review and approve new credit applications and renewals.
- Collaborate with underwriters and analysts to ensure accurate risk evaluation.
- Monitor industry trends and economic conditions affecting credit risk.
- Engage in scenario and stress testing of credit portfolios.
- Communicate findings and recommendations to senior management.
- Coordinate with regulatory bodies to ensure compliance with credit policies and regulations.
- Maintain up-to-date knowledge of financial markets and economic trends.
- Participate in the development of credit risk models and tools.
- Facilitate training sessions for junior staff on credit risk management practices.
- Work with IT teams to enhance credit risk management systems and reporting tools.
- Attend meetings with clients to discuss their credit needs and propose solutions.
- Develop and maintain relationships with key stakeholders across the organization.
- Prepare and present credit portfolio performance reports to the Board of Directors.
- Review and update credit policies and procedures periodically.
- Ensure accurate documentation and record-keeping of credit decisions and actions.
- Provide insights and recommendations for credit risk management improvements.

- Strong analytical and quantitative capabilities
- High attention to detail and precision
- Excellent communication and presentation skills
- Ability to understand and manage complex financial data
- Proven capacity for strategic thinking and problem-solving
- High level of professional integrity and ethics
- Effective collaboration and teamwork abilities
- Proactive and self-motivated attitude
- Strong organizational and multi-tasking skills
- Ability to work efficiently under pressure and meet deadlines
- Continual learning and adaptability to new tools and methodologies
- Critical thinking and decision-making skills
- Strong interpersonal skills for stakeholder relationship management
- Commitment to maintaining up-to-date industry knowledge
- Proficient in leading and mentoring junior staff
- Agile mindset to adapt to changing market and economic conditions

- Competitive salary range: $100,000 - $150,000 annually, based on experience and qualifications
- Performance-based bonuses
- Comprehensive health, dental, and vision insurance plans
- 401(k) retirement plan with company match
- Paid time off (PTO) including vacation, sick days, and holidays
- Flexible work schedule options, including potential for remote work
- Professional development and continuing education opportunities
- Tuition reimbursement program
- Employee assistance programs (EAP) for mental health and well-being
- Life and disability insurance coverage
- Opportunities for career advancement and promotion
- Regular training and mentorship programs
- Wellness programs and gym membership discounts
- Corporate partnerships and discounts on various services and products
- On-site childcare services or childcare assistance
- Subsidized commuting expenses or transportation benefits
- Employee stock purchase plan (ESPP)
- Inclusive and collaborative work environment
- Company-sponsored social and networking events
- Access to industry conferences and seminars