Credit Analyst

Description

Job Summary: Manages and analyzes indicators to reduce credit operation risk, including document analysis, participation in credit committees, and portfolio management. Key Highlights: 1. Experience in credit analysis and approval for legal entities (PJ) and natural persons (PF) 2. Portfolio management of clients and performance monitoring 3. Support to the commercial area and technical visits Manages and analyzes departmental indicators to reduce credit operation risk. **Responsibilities and Duties** **What are the challenges for this role:** * Minimum of 3 to 5 years of professional experience and practical knowledge in credit-related routines; * Analyze documents for credit granting and approval to natural persons and legal entities (analysis of financial statements and indicators); * Prepare conclusive opinions for credit release; * Participate in credit committees; * Analyze security instruments (suretyship, mortgage, pledge, assignments, CPRs); * Analyze credit order loading releases within established limits and authorization (exposure and debts); * Support the commercial area (priorities, clarifications regarding credit policies, norms, and procedures); * Recommend clients for financing operations (bank agreements, barter, grain companies); * Analyze and prepare managerial reports; * Manage the portfolio with client performance monitoring; * Monitor and disseminate agribusiness market information impacting clients’ repayment capacity; * Monitor liquidation processes and collection from natural and legal persons; identify payment arrears; * Conduct technical visits together with the commercial area. **Requirements and Qualifications** **What is ideal for you to have:** * Completed undergraduate degree in Accounting Sciences, Business Administration, or related fields; * Market experience in the regions of **Mato Grosso** and **Mato Grosso do Sul**; * Basic knowledge of commercial, civil, and consumer law; * Postgraduate degree in Financial Management or related fields is desirable. **Additional Information** **Our Benefits:** Comprehensive health insurance for dependents; Dental plan for dependents; On-site meals provided by the company; Meal allowance; Education assistance; Childcare allowance (for female employees with children aged 4 months to 5 years); Life insurance; Transportation allowance; Profit and Results Sharing Program; Unifertil is a family-owned company in its fourth generation, with five decades of history in fertilizer production and commercialization, building a relationship of credibility and transparency with its employees, customers, partners, and institutions over this period. With production, commercialization, and distribution units in Canoas (Head Office and Rio Branco branch), and a branch in Rio Grande, Unifertil currently employs over 400 people. The company’s purpose is to help nature produce more food through products and services that contribute to the development of agriculture in southern Brazil, operating primarily in Rio Grande do Sul, Santa Catarina, and Paraná.