**Description:** **Education:** Bachelor’s degree completed in Administration, Economics, Accounting Sciences, or related fields. A postgraduate degree in Risk Management or Finance is a plus. **Knowledge:** Credit policies and regulations issued by the Central Bank of Brazil (Bacen). Interpretation of financial statements and financial indicators. Analytical tools (Advanced Excel, BI, credit systems). Purpose of the Position Coordinate the cooperative’s credit analysis area, with emphasis on technical and strategic analysis of operations, ensuring quality, risk mitigation, and compliance with internal policies and regulatory requirements. Act as a liaison between commercial and risk areas, ensuring a balance between growth and security. Key Responsibilities **Credit Cycle Management:** Implementation or review of KPIs and monitoring rituals to ensure efficiency and quality in analyses. Coordinate the credit analysis team and credit granting processes, ensuring agility in evaluations, adherence to Sicredi’s policies, Bacen regulations, and financial market best practices. Promote continuous improvements in credit granting processes and the use of analytical tools. **Credit Analysis:** Solid experience in credit analysis. Supervise and review credit analyses for individuals (PF), legal entities (PJ), rural producers, and partners—from the least to the most complex levels—including assessment of collateral, repayment capacity, and other financial indicators. **Policies and Governance:** Comply with and enforce internal policies, propose improvements, and ensure alignment with risk appetite and regulatory guidelines—also considering economic and sectoral scenarios. **Portfolio Monitoring:** Monitor performance and delinquency indicators, loan rollovers, portfolio quality, and propose preventive and corrective actions. **Decision-Making and Committees:** Participate in credit committees, providing technical support for recommendations and decisions. **Technical Training:** Develop and promote training for the team and branches, strengthening risk culture and analytical excellence. **Modeling and Strategy:** Support the structuring of credit limits, pricing, and credit strategies based on data and market trends. **Relationship Management:** Integrate commercial and risk areas, ensuring balanced decisions and consultative business support. Conduct periodic credit visits and maintain visibility over the largest exposures per Region. 2512030202191844039