Cibra

Senior Credit and Collections Analyst

Cibra
Posted 10/21/2026full-timeRemote • BrazilSeniorWebsite
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Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit analysis, risk assessment, and financial statement interpretation, with a strong focus on agribusiness sector dynamics. Proficient in developing credit management tools and collaborating across teams to ensure compliance and enhance credit policies.

Highest-signal resume keywords
Credit Risk AssessmentFinancial Statement AnalysisCollateral StructuresTechnical Credit OpinionsAdvanced Excel Proficiency

Tech Stack

Tools & technologies
ERP

About the role

Key responsibilities & impact
  • Analyze and assess complex credit transactions, interpreting financial statements, economic and financial indicators, repayment capacity, relationship history, and market information.
  • Prepare technical credit opinions identifying risks and recommending credit limits, commercial terms, and collateral structures.
  • Monitor customer portfolio exposure and risk profiles, including approved limits, credit utilization, risk concentration, and repayment capacity.
  • Assess and recommend collateral structures in conjunction with the Legal team.
  • Conduct credit analyses of agricultural producers, distributors, and corporate groups, taking into account the specific characteristics of the agribusiness sector.
  • Support the analysis of structured credit transactions, including Barter transactions, CPRs (Brazilian rural product notes), and agricultural collateral.
  • Monitor credit risk and delinquency indicators and propose preventive actions.
  • Participate in Credit Committees by preparing analyses, opinions, and technical presentations.
  • Collaborate with the Sales, Collections, Legal, and other relevant teams.
  • Conduct periodic reviews of credit limits and update risk classifications.
  • Develop and enhance credit management tools, reports, and controls.
  • Contribute to the review and improvement of credit policies and methodologies.
  • Serve as a technical resource for other analysts.
  • Ensure the quality, integrity, and traceability of information and analyses while complying with internal policies, governance requirements, and confidentiality standards.

Requirements

What you’ll need
  • Bachelor’s degree in Business Administration, Accounting, Economics, Engineering, or a related field.
  • Postgraduate degree or MBA in Finance, Risk Management, Credit, Controllership, Agribusiness, or a related field.
  • Certifications related to financial analysis, risk management, or financial markets.
  • Knowledge of corporate credit analysis, financial statement analysis, balance sheets, income statements, and cash flow statements is required.
  • Knowledge of economic and financial indicators, repayment capacity, indebtedness, and liquidity.
  • Knowledge of credit risk assessment and collateral structures, credit policies, credit limit approval, and preparation of technical credit opinions.
  • Proficiency in Microsoft Office, particularly advanced Excel.
  • Familiarity with enterprise resource planning (ERP) systems, including SAP, and credit information tools.

Benefits

Comp & perks
  • Work remotely under a Work From Anywhere model, with no corporate office
  • Great Place to Work certification
  • This position is also open to candidates with disabilities

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Credit AnalysisFinancial Statement AnalysisRisk AssessmentCredit Limit ApprovalCollateral StructuresEconomic IndicatorsRepayment CapacityIndebtednessLiquidity AnalysisTechnical Presentations
Soft Skills
CollaborationAnalytical ThinkingCommunicationProblem-SolvingAttention to Detail
Tools & Technologies
Microsoft OfficeExcelERP SystemsSAPCredit Information Tools
Certifications & Qualifications
Financial Analysis CertificationRisk Management CertificationFinancial Markets Certification
Industry Keywords
AgribusinessCredit PoliciesCredit CommitteesTechnical Credit OpinionsCredit UtilizationDelinquency IndicatorsCredit ManagementMarket InformationRelationship HistoryCredit Transactions