Business Agent

Description

Job Summary: The professional will perform cashier duties, proactively serve cooperative members, analyze returned checks, and update member registration data, contributing to collective success. Key Highlights: 1. Making a difference in people's lives through cooperation. 2. A collective spirit present in every action. 3. Leadership driven by a collaborative culture. If your essence is **Cooperation**, join our team! We are **Leaders** who seek to make a difference in people's lives. In our daily work, the collective spirit is present in every action, contributing to everyone's success, because here we **Build a Better World Together**. **Responsibilities and Duties** * Perform cashier duties, including pre-processing and digitizing checks in GED, collecting and processing envelopes, paying bills, and handling cooperative members' cash bags; confirm check issuance; process withdrawals, deposits, transfers, TED/DOC; replenish ATMs; conduct security inspections at Service Units; manage treasury cash and cash transportation; and ensure effective daily cash closing. * Serve cooperative members proactively and reactively according to their needs, following the Ailos Way of Doing Business, providing in-person service and outreach (portfolio rotation), prospecting new members—individuals or legal entities—and consultatively offering products and services (excluding investments) to maintain relationships, reinforce member primacy, achieve Service Unit objectives, and ensure cooperative sustainability. * Analyze returned checks within authorized limits, reviewing daily reports and jointly assessing payment-related issues with management to preserve member relationships and mitigate risks. * Update cooperative members’ registration data per the Cooperative’s current policy, verifying documentation and information accuracy, maintaining updated contact details and digitized records to keep registrations current and mitigate risks. * Request required documentation for opening a cooperative member account, following established procedures and completing requested information per work instructions, while verifying information accuracy to ensure registration quality. * Record interactions in the customer relationship management tool, entering collected data to generate future business leads, align communication, and strengthen relationships. * Receive membership termination requests, conducting active listening with the member to understand reasons and propose alternatives for reversal; if reversal is not possible, initiate the process and forward it to the manager to retain the cooperative membership base. * Participate in social initiatives, supporting cooperative social and educational events to strengthen ties with members and the community. * Support the PJ Manager’s requests, performing delegated tasks, providing in-person service, negotiating products and services for individuals and legal entities within the economic group, and analyzing member reports, income statements (DREs), and trial balances to accelerate processes with quality and enhance business outcomes. * Analyze and defend low-to-medium complexity proposals, assessing repayment capacity, operational risk, and guarantees to sustainably promote credit disbursement. * Support and maintain organized Service Unit contracts, digitizing and organizing contracts to ensure physical storage complies with the Cooperative’s specified retention schedule. * Conduct debt collection and debtor follow-up per reports, including contact attempts and visits, as well as analyzing and acting on PDD (Provision for Doubtful Debt) cases and delinquency, observing risk-related matters with monitoring to manage the delinquent portfolio. * Organize Service Unit documents, sending and receiving cash bags, communication materials, cards, checkbooks, returned checks, files, Ailos Cooperative Education gifts, office supplies, aiming to mitigate operational risks. * Monitor Service Unit dashboards and metrics, accessing data to mobilize the team and implement business strategies to achieve established goals. * Perform other duties related to this position. **Requirements and Qualifications** * Currently pursuing or having completed a bachelor’s degree; * Knowledge of financial products and services; * Commercial experience; * ANBIMA certification; **Additional Information** **Benefits:** * Meal and Food Allowance (Flash); * National Unimed Health Plan; * Uniodonto Dental Plan; * Private Pension Plan; * Life Insurance; * Childcare Assistance; * Educational Assistance; * Extended Maternity/Paternity Leave. **Variable Compensation:** * Semiannual Profit-Sharing Program (PPR). We are a Credit Cooperative belonging to the Ailos System, operating in Santa Catarina and Paraná states, with 19 service units and coverage across 147 municipalities. For 17 years, we have believed in the power of collaboration and human development—whether for employees, cooperative members, or the community. With over 80,000 cooperative members and 240 employees, we are guided by our vision: to grow sustainably and consolidate ourselves as the most relevant financial institution in the region. Progress is part of our essence; thus, new opportunities continually emerge within our teams. Here, everyone is a leader, empowered by a culture put into practice daily—we go even further! At Ailos Civia, we value talent development, recognizing each person’s role in fulfilling our purpose: **Building a Better World Together.**