Credit Analyst - Headquarters/PR

Description

Job Summary: Work on credit processes, credit risk, specialized credit policies, monitor efficiency indicators, and analyze credit proposals. Key Highlights: 1. Analyze credit applications and issue risk assessments 2. Stay updated on credit policies and legislation 3. Promote Commercial Credit solutions Work on credit-related processes: credit risk, specialized credit policies for the cooperative, monitor efficiency indicators of processes related to these topics, and analyze credit proposals—ensuring compliance with our credit policies.  \#LI\-JP **Responsibilities and Duties** * Evaluate credit applications, issuing opinions regarding their risk-level classification, projected repayment capacity, formal requirements, interest rate application, terms, and guarantees—to support approval or rejection decisions. Verify formal documentation and pricing; * Identify and monitor signs of increasing or decreasing risk in portfolio products and operational niches, alerting credit committees and business areas. Analyze the risk profile of the member under evaluation; * Stay updated on procedures, credit policies, and legislation pertaining to technical risk analysis and formal requirements of operations, to provide support to branches; * Understand technical concepts and ensure the use of statistical models in credit lifecycle management processes; * Promote Commercial Credit solutions and services, and lead initiatives related to Cooperative Demand and Funding Sources that meet members’ needs—contributing to business sustainability and income generation. **Requirements and Qualifications** * Completed undergraduate degree in Business Administration, Economics, Accounting Sciences, or related fields; * Knowledge of credit dossier preparation is desirable; * Familiarity with credit legislation and functionality, balance sheet analysis, credit risk, cooperative legislation, business acumen, and internal regulations is desirable; * Must reside in cities served by Sicredi Agroempresarial PR/SP, with remote work possible according to branch availability or proximity to service locations. **Additional Information** Benefits Package: * Health Allowance; * Dental Allowance; * Daycare/Nanny Allowance; * Private Pension Plan; * Education Allowance; * Meal and Food Vouchers; * Physical Activity Support; * Telemedicine, Nutrition, Psychology, and Medication Subsidy; * Dress Code Allowance; * Service Length Bonus; * Life Insurance; * Transportation Voucher. **Nice to meet you—we are Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming daily alongside **more than 50,000 employees**. They make us the **Best Place to Work**, once again ranking first according to Great Place To Work Brasil (GPTW). Together with **over 10 million members** across all Brazilian states, 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 wish to help build a better world—and we want you on board. **\#VemSerSicredi!**