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Credit Cycle Manager – Head Office, Canarana/MT, Sicredi Araxá64702713952385120
Indeed
Credit Cycle Manager – Head Office, Canarana/MT, Sicredi Araxá
Description: Technical Criteria and Requirements: * Completed Specialization/MBA (Accounting Sciences, Business Administration, Economics, or related fields); * Solid experience in administrative areas of cooperatives/branches or similar experience in the market; * Experience in people management; Differentiators include: * In-depth knowledge of credit and credit analysis; * Banking legislation, with emphasis on legislation applicable to all stages of the Credit Cycle; * Credit risk, Credit Policies, Credit Pricing; * Mechanics of credit pricing and trends in finance and credit; * Financial Market and broad business vision; Behavioral Criteria and Requirements: Consistent leadership with people (team), empathy, and high energy; Develop team members impartially; Listen to people, serve the team, guide, make agreements, and monitor performance; Maintain consistency between words and actions; Honor agreements and delegate responsibly; Ability to prioritize and maintain a positive agenda; Make decisions based on established strategy; Value agility in responses and member experience; Demonstrate initiative and follow-through; Willingness to relocate and reside in Canarana/MT * Ensure the quality of the credit granting and maintenance process within the Cooperative by monitoring credit approval rates, proposal response times, documentation quality, approval quality based on delinquency and loss indicators per branch and per portfolio manager, rollover indicators, credit risk levels, operational efficiency, and qualification of personnel involved throughout the process; * Comply with and enforce the Sicredi Credit Policy to ensure credit granting and maintenance processes remain within the Cooperative’s acceptable risk parameters. Propose adjustments to policies to reflect regional characteristics of the entity, such as the Cooperative’s risk appetite, member profile, regional economic profile, geographic features, regional legislation, among others; * Approve individual or collective credit disbursements within the limits defined in the Sicredi Credit Policy and in the Cooperative’s specialized Credit Policies; * Propose and facilitate technical training and development initiatives for activities and products covered by the Credit Cycle and for the sustainability of the credit portfolio; * Produce managerial reports focused on credit portfolio development and management, conducting technical analysis of indicators as well as regional market analysis. Periodically report analyses and reports to collegiate bodies and governance organs of the Cooperative, aiming at sustainable business development. Manage the budgetary process regarding credit-related data and figures, supporting actions to achieve budgeted results; * Understand technical concepts and ensure the use of statistical models in credit cycle management processes; * Request and manage directed credit resources. Support the commercial area on directed credit products to stimulate business growth. Guide/supervise the team in contracting directed credit operations. Monitor rural credit and BNDES audits. Verify the audit system, request visit reports, and verify compliance with manuals and regulations; * Support the commercial area on credit products to maximize business potential. Analyze member portfolio performance, assess market share, and other available indicators, generating alternatives for developing new business opportunities. 2512040202181826259
R. Três Passos, 467, Canarana - MT, 78640-000, Brazil
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