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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis, credit analysis, and risk management, with a strong focus on assessing clients' financial capacity and market positioning. Proficient in utilizing advanced analytical tools and methodologies to enhance credit policies and operational efficiency.
Highest-signal resume keywords
Financial AnalysisCredit AnalysisRisk Management TechniquesAdvanced Excel SkillsPower BI
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
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Hard Skills
Financial Statement AnalysisCash Flow AnalysisBalance Sheet AnalysisIncome Statement AnalysisCredit Policy DevelopmentRisk SegmentationFinancial Ratio AnalysisMarket AnalysisEconomic Sensitivity AssessmentCredit Limit Calculation
Tools & Technologies
Power BIAnalytical Dashboards
Industry Keywords
Corporate FinanceMacroeconomic TrendsMicroeconomic TrendsInfrastructure SectorConstruction SectorB2B Services SectorCollateral LegislationPayment PerformanceRisk ConcentrationPayment Behavior
About the role
Key responsibilities & impact- Conduct comprehensive financial analysis of clients, including balance sheets, income statements, cash flow, debt levels, capital structure, liquidity, profitability, and cash generation
- Assess clients’ payment capacity and operational execution, considering payment performance, contracts/projects, receivables, risk concentration, collateral, and overall credit exposure
- Analyze clients’ market positioning, industry, competitiveness, dependence on public- or private-sector contracts, business cycle, and economic sensitivity
- Monitor macroeconomic and industry scenarios and their impact on clients’ financial capacity and portfolio risk
- Calculate and review credit limits and credit needs based on sales, contracts, pricing, exposure, collateral, and risk profile
- Propose updates to the Credit Policy
- Structure, improve, and operationalize credit analysis models, ratings, risk segmentation, and mitigation instruments
- Develop and monitor risk indicators, including aging, concentration, exposure, delinquency, and payment behavior
- Contribute to the automation of analyses, information security, and the use of analytical tools and dashboards
Requirements
What you’ll need- Bachelor’s degree in Accounting, Economics, Production Engineering, or a related field
- Knowledge of the dynamics of different funding sources, including equity, bank credit, receivables, and public contracts
- Knowledge of balance sheet, income statement, cash flow, and financial ratio analysis
- Knowledge of corporate finance and financial mathematics
- Knowledge of credit analysis and risk management techniques
- Market analysis and knowledge of macroeconomic and microeconomic trends
- Advanced Excel skills
- Knowledge of Power BI and analytical dashboard development
- Basic knowledge of legislation related to credit, collateral, and enforcement
- Experience in credit analysis, preferably in the infrastructure, construction, industrial, or B2B services sectors
- Experience analyzing financial statements, assessing risk, interpreting market conditions, and monitoring clients
- Experience analyzing competition, the economic environment, and industry developments
Benefits
Comp & perks- Medical Insurance – SulAmérica
- Dental Insurance – Amil
- Grocery Allowance
- Meal or Food Voucher
- Gympass
- Profit-Sharing Bonus
- Moodar (online therapy twice a month)
- Transportation Allowance
- Life Insurance