Credit Analyst

Description

Job Summary: The Credit Analyst is responsible for analyzing financial requests, evaluating customers' repayment capacity, identifying risks, and issuing technical opinions to support credit decisions. Key Highlights: 1. Technical and registration credit analysis 2. Issuance of approval or rejection opinions 3. Financial risk and repayment capacity assessment The Credit Analyst is responsible for analyzing financial requests, evaluating customers' repayment capacity, identifying risks, and issuing technical opinions that support decisions regarding credit approval or rejection. The professional works directly to support business and finance departments, ensuring a balance among security, agility, and operational profitability, while maintaining accuracy in credit assessments and ensuring compliance with internal policies. **Responsibilities:** **Conduct technical and registration credit analysis:** Interpret financial data, historical records, supporting documents, and registration information to verify applicant identity and repayment capacity. **Issue approval or rejection opinions:** Produce written opinions grounded in technical judgment and data-based justification, ensuring coherent and traceable decisions. **Assess financial risk and repayment capacity:** Use financial indicators, cash flow statements, payment history, credit scores, and exposure limits to measure risks. **Prepare risk reports, spreadsheets, and dashboards:** Develop controls and metrics for daily, monthly, and annual review of credit portfolio performance. Employment Type: Full-time CLT Compensation: R$5\.500,00 per month Benefits: * Meal allowance * Transportation allowance