**Job Description** --------------------- Founded 17 years ago, **RIBEIRA** is the real estate assets company of JSP — Júlio Simões Participações. Throughout our journey, we have developed projects offering quality, comfort, and well-being. Thus, we generate sustainable value for society as a whole—and especially for the regions and cities where we operate—covering over 5 million m², including properties, land, and real estate developments. The developer’s core principle is care and respect for its customers, building trust-based relationships grounded in ethics, responsibility, and appreciation of people. As evidence of the strength of our business and the value we place on our customers, we share the culture and values of JSP, the holding company of the Simões family and owner of RIBEIRA and other renowned Brazilian companies. All selection processes conducted by **RIBEIRA** are affirmative, inclusive, and non-discriminatory. **Responsibilities and Duties** Responsible for analyzing and approving high-complexity and high-value real estate financing proposals. This role requires in-depth knowledge of legislation, credit policies, and risks inherent to the real estate market, acting as a focal point for decision-making. * Conduct thorough analysis of real estate credit proposals, assessing the applicant’s repayment capacity, creditworthiness, and property documentation (real estate registry, certificates, etc.). * Analyze more complex financing structures (e.g., multiple buyers, transactions involving a third-party payer, use of FGTS). * Issue technical and well-founded opinions recommending approval or rejection of credit, within the established approval authority. * Ensure all operations strictly comply with regulatory standards (BACEN, CMN), real estate credit legislation (MCMV/SFH/SFI), and internal institutional policies. * Identify, mitigate, and report operational, credit, and fraud risks associated with analyzed transactions. * Propose and actively participate in reviewing and optimizing workflows, credit policies, and systems to improve analysis efficiency and quality. * Draft and update internal manuals and procedures. * Conduct internal training sessions on new regulations or processes. * Collaborate with Sales, CRM, Legal, Back Office, and Compliance teams to resolve queries, clear documentation pending items, and ensure smooth process flow until disbursement. **Requirements and Qualifications** * Bachelor’s degree completed in Business Administration, Economics, Accounting Sciences, Law, or related fields. * Preferred: Postgraduate degree or MBA in Finance, Real Estate Market, or Risk Management. * Experience in real estate credit analysis and approval at financial institutions, credit cooperatives, or securitization firms. * In-depth knowledge of all stages of the real estate financing process—from proposal submission through contract issuance. * Proficiency in Microsoft Office suite. * Easy access to the Itaim region required. **Additional Information** * Meal Allowance * Health and Dental Insurance * Parking * TotalPass * Benefits Club Founded 17 years ago, RIBEIRA is the real estate assets company of JSP — Júlio Simões Participações. Throughout our journey, we have developed projects offering quality, comfort, and well-being. Thus, we generate sustainable value for society as a whole—and especially for the regions and cities where we operate—covering over 5 million m², including properties, land, and real estate developments. The developer’s core principle is care and respect for its customers, building trust-based relationships grounded in ethics, responsibility, and appreciation of people. As evidence of the strength of our business and the value we place on our customers, we share the culture and values of JSP, the holding company of the Simões family and owner of RIBEIRA and other renowned Brazilian companies.