CAS | Senior Credit Risk Analyst - Focus on Financial Institutions Analysis

Description

Job Summary: We are seeking an Analyst to assess the economic and financial health of Financial Institutions, contributing to credit risk identification and strategic decision-making. Key Highlights: 1. Conducting in-depth analyses and applying rigorous technical standards in Credit Risk 2. Assessing the economic and financial health of Financial Institutions 3. Linking macroeconomic variables to financial statements **Join Sicredi's Credit Risk team.** If you are curious, enjoy conducting in-depth analyses, are interested in understanding how Financial Institutions operate, and are motivated by challenges requiring technical rigor and business acumen, this opportunity may be ideal for you. We are seeking an Analyst to evaluate the economic and financial health of **Financial Institutions**, supporting the identification of potential impacts on credit risk and the development of insights that inform strategic decisions. This role demands strong analytical capability, critical thinking, mastery of financial concepts, and the ability to connect macroeconomic variables to the financial statements of the institutions under analysis. The professional will be responsible for preparing consistent analyses, interpreting complex data, participating in strategic discussions, and presenting conclusions clearly, coherently, and decision-oriented. Intellectual curiosity, technical precision, and effective communication are essential for success in this role. **Responsibilities and Duties** * Analyze balance sheets and financial statements of Financial Institutions, identifying trends, risks, and key areas of concern. * Evaluate prudential indicators, capital structure, liquidity, loan portfolio quality, and other metrics relevant to understanding the risk profile of Financial Institutions. * Link macroeconomic developments — such as interest rates, exchange rates, and economic activity — to their potential impacts on the balance sheets of Financial Institutions. * Monitor news, events, and relevant information that could affect the financial health or risk profile of the institutions under analysis. * Prepare technical reports and communications for diverse audiences and credit committees, ensuring clarity, accuracy, and objectivity. * Deliver presentations to Committees, Risk Areas, other business units, and Cooperatives, structuring analyses and recommendations clearly and substantively. **Requirements and Qualifications** **Requirements:** * Solid knowledge of banking accounting, prudential indicators, and capital structure; * Ability to interpret economic scenarios and their impact on the financial sector; * Analytical, investigative profile with structured reasoning; * Strong verbal communication skills, ability to synthesize information, and clarity in presenting ideas; * Degree in Economics, Business Administration, Engineering, Accounting, or related fields. **Preferred Qualifications** * Experience in external auditing or bank accounting; * Knowledge of SQL or Python for exploratory analysis and database manipulation; * Familiarity with BI tools (e.g., Power BI); * Prior experience in credit risk analysis, prudential risk analysis, or evaluation of financial institutions; * Familiarity with Central Bank regulations applicable to Financial Institutions (e.g., Basel Framework, CMN Resolution 4966/21\); **Desired Profile** * Intellectual curiosity, initiative, and a strong desire to deeply understand the business; * Proactivity, independence, and organizational skills; * Strong public speaking ability and skill in translating technical analyses into clear messages. **Additional Information** At the **Sicredi Administrative Center (CAS)**, for positions in business areas, we adopt a hybrid work model consisting of 3 days per week onsite at our headquarters located at Av. Assis Brasil, 3940, São Sebastião, Porto Alegre/RS, and 2 days remotely. For Tech-area positions, we adopt a fully remote work model. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ At **Sicredi**, you will enjoy: 14th and 15th fixed salaries; Profit Sharing (based on seniority); Health and Dental Plans with no co-payment; Well-being Programs via Wellhub (formerly Gympass), Nutrition, Psychology, Occupational Health, Massage, Running Groups, and Local Gym Access; Meal Allowance and Food Voucher – with flexible % allocation across VA/VR cards and no co-payment; Extended Maternity and Paternity Leave; Childcare or Babysitter Assistance for children up to 6 years and 11 months; Assistance for children with disabilities, with no age limit; Life Insurance; Private Pension Plan covering up to 8% of salary; Training Platform – Sicredi Aprende, offering diverse courses; 40-hour weekly work schedule – using a time-banking system; Remote Work Allowance (except for positions requiring 100% onsite presence). **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 **over 50,000 employees**. It is they who make us the **Best Place to Work**, once again ranking first according to Great Place To Work Brazil (GPTW). Together with **over 9 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!**