Assess the creditworthiness of customers or suppliers based on their history, financial statements, and other relevant data. Conduct balance sheet and income statement analyses to identify risks and potential defaults. Prepare and present technical credit reports and opinions to support decision-making. Monitor the customer portfolio, identifying early signs of deterioration in credit profiles. Ensure compliance with internal and regulatory credit policies. Collaborate with internal departments (Finance, Sales, Legal) to align criteria and solutions. **Education and Experience** Bachelor’s degree completed in Business Administration, Economics, Accounting, Finance, or related fields. Prior experience in credit analysis or similar roles is a plus. **Technical Knowledge** Ability to interpret financial statements and risk indicators. Advanced Excel skills and familiarity with credit and analytical systems. Proficiency in corporate or individual credit regulations and practices. Job Type: Full-time CLT Salary: R$1\.556,65 \- R$3\.810,98 per month Benefits: * Medical insurance * Dental insurance * Life insurance * Meal allowance Work Location: On-site