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Job Purpose and Impact

The Regional TCM RMG North America & LATAM (excluding Brazil) Credit Manager is embedded into the Trade and Capital Markets Business within Cargill and part of the Risk Management Group (“RMG”). The Regional Credit Manager is responsible for leading credit risk management across the United States and Latin America ex-Brazil, combining strong technical credit expertise with people leadership. This role requires deep hands-on experience in credit analysis, including cash flow modeling, complex exposure assessment, and evaluation of structured transactions. The Credit Manager will ideally also bring proven experience in restructurings and workouts, as well as a solid understanding of loan documentation and credit agreements.

In addition to providing independent, high-quality credit judgment, the role focuses on building and developing a high-performing team of analysts. This includes training, mentoring, and elevating analytical standards while partnering closely with business and risk stakeholders to support disciplined growth and a strong risk culture across the region.

Key Accountabilities

• FUNCTIONAL EXPERTISE AND TECHNICAL SKILLS: Demonstrates strong technical credit analysis skills including cash flow modeling with attention to detail, successfully handles multiple tasks in a fast-paced environment in multiple geographies and industries, encourages and takes initiative to develop the teams’ technical skills, effectively analyses complex cases, conducts a deep due diligence including client calls or visits and tries to find solutions.
• RISK ASSESSMENT: Develops clear, concise and well‑reasoned risk recommendations based on a holistic assessment of financial, structural, tax, legal and enforceability, country, industry, business, market, macroeconomic, concentration, reputational risks, and portfolio impact.
• RESEARCH & MONITORING: Demonstrates curiosity, an investigative and critical mindset and keeps up to date with emerging business, economic and market trends to anticipate potential impacts on counterparties or portfolios. Quickly grasps key value drivers across industries, applying strong technical skills to critically interpret results and translating them into clear recommendations for decisionmakers.
• TEAMWORK: Partners within and across teams, encourages team members to develop a deep understanding of complex structures to identify and evaluate key risks and provide objective risk related inputs on products including documentation as well as recommends opportunities for risk mitigation and loss prevention. Participates early in new business initiatives and product development to identify risks in complex and often bespoke financing structures and leads by example, fostering a culture of accountability, integrity and high standards while setting clear expectations for the team.
• PROCESS EXCELLENCE & IMPROVEMENT: Ensures accurate and timely risk reporting, critically reviews existing processes, drives continuous improvement and efficiency and participates in ad hoc projects to find alternative solutions while keeping the big picture in mind.
• BUSINESS PARTNERSHIP: Excels at building relationships with the team of analysts, traders, other internal stakeholders and external counterparties to provide sound, persuasive rationales for opinions ensuring a robust understanding of risks as well as mutual understanding and clarity in business dealings.

Qualifications

Minimum Qualifications

• Minimum of 6 years of credit risk management experience within global or regional banks, funds, or financial institutions, with a focus on corporate lending in the high-yield space.
• Strong hands-on credit analysis capabilities, including cash flow modeling, liquidity analysis, leverage assessment, and stress testing.
• Solid understanding of loan documentation, credit agreements, covenants, and key legal and structural risk considerations.
• Proven experience leading, managing, and developing a small team of credit analysts, with a strong focus on training and elevating analytical standards.
• Fluency in English and Spanish, both written and spoken.
• Ability to travel from time to time.

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Preferred Qualifications

• Proven experience assessing complex credit structures, including bilateral and syndicated loans, trade finance, and other structured transactions.
• Demonstrated experience with credit restructurings, workouts, and distressed situations, including negotiation with internal and/or external stakeholders.
• Ability to exercise independent credit judgment and clearly articulate risk assessments and recommendations to senior stakeholders based on thorough due diligence.
• Project finance and/or structured credit experience across various sectors, ideally covering the US and Latin America.
• Experience in engaging directly with customers.
• Excellent written and verbal communication skills.

Addtitional Posting Detail

The expected salary for this position is $170,000, 225,000. Compensation varies depending on a wide array of factors including but not limited to the specific location, certifications, education, and level of experience. The disclosed range estimate may be adjusted for any applicable geographic differential associated with the location at which the position may be filled. This position is eligible for a discretionary incentive award. The incentive award amount is dependent upon company performance and your personal performance.

At Cargill we put people first.  As part of your overall rewards, we offer a comprehensive benefit program including medical and/or other benefits dependent on the position offered and hours worked. Visit: https://www.cargill.com/page/my-health/mh-health-and-wellness to learn more (subject to certain collective bargaining agreements for Union positions).