Do you have the desire to work at a company that has a cheerful and welcoming environment, with a genuine interest in people and their development? At a cooperative that promotes prosperity for individuals, businesses, and society? If your answer was yes, you're in the right place! At Sicredi, this is how we work, develop, and grow together through our purpose: transforming our community! At Sicredi, you'll have the opportunity to build your career and make a difference in people's lives. Be part of the best company to work for according to GPTW. Sicredi is a company committed to diversity and inclusion, so our job openings are available to everyone. The operational area of Sicredi Norte SC covers 17 municipalities, where we are already present in 16, with many opportunities for expansion. The 16 municipalities where we currently operate are: Joinville, Jaraguá do Sul, Garuva, Itapoá, São Francisco do Sul, Barra do Sul, Schroeder, Massaranduba, São Bento do Sul, Guaramirim, Barra Velha, Piçarras, Penha, Campo Alegre, Corupá, and São João do Itaperiú. Follow the Cooperative on Instagram (@sicredinortesc) and LinkedIn (Sicredi Norte SC) to stay updated on news. **This opportunity is for the municipality of Joinville/SC, in the Credit department at the cooperative's headquarters, located at Rua Dona Francisca No. 8300, Zona Industrial Norte, Block M – Module 0, Condomínio Perini Business Park. Your main responsibility will be managing credit risk, evaluating credit requests, staying updated on procedures and legislation related to technical and formal risk analysis of operations, and proposing changes when necessary.** **Responsibilities and duties** * Evaluate credit requests, issuing opinions on their risk classification levels, payment capacity projections, formalities, rate applications, terms, and guarantees, in order to support decisions on approval or rejection of credit grants. Conduct verification of documentation and pricing; * Identify and monitor signs of increasing or decreasing risk within portfolio products and target segments, alerting credit committees and business areas. Analyze the risk of the member being evaluated; * Stay updated on procedures and legislation related to technical risk analysis and operational formalities, in order to provide support to branches; * Perform balance sheet analyses on operations related to Legal Entities, in order to assess the accounting and economic-financial status of the credit applicant; * Stay updated on credit policies and propose operational changes to these policies; * Understand technical concepts and ensure the use of statistical models in credit cycle management processes. **Requirements and qualifications** * Bachelor’s degree in Accounting, Business Administration, Economics, or related fields * Proactivity; * Strong communication skills; * Ability to self-manage; * Engagement with team and objectives; * Advanced knowledge of Excel; * Technical knowledge of financial indicators, balance sheets, income statements (DRE), cash flow, financial markets, and credit analysis. **Additional information** Please fill out your resume **as completely as possible**, as it is a great opportunity to detail all your responsibilities and help us better understand your experiences. **Nice to meet you, we are Sicredi.** Our journey began over 120 years ago as Brazil's first financial cooperative institution. Today, we continue growing and transforming every day, alongside **over 50,000 employee members**. They are the reason we are once again ranked as the **Best Company to Work For**, holding the top position according to Great Place To Work Brazil (GPTW). Together with **over 9 million members** across all states of the country, we believe in the power of cooperation to **build a more prosperous society and generate positive impact in people's lives.** A purpose that unites and inspires us, promoting local and sustainable development, education, and financial inclusion. We continue seeking talents who want to help build a better world—and we hope to count on you. **\#ComeBeSicredi!**