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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, risk assessment, and financial exposure management, with a strong focus on developing and implementing credit policies and processes. Proficient in utilizing data analysis tools and advanced Excel for monitoring credit portfolios and improving financial performance.
Highest-signal resume keywords
Credit AnalysisFinancial Statement AnalysisCredit Risk ManagementData Analysis ToolsSAP S/4HANA
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit UnderwritingPayment Capacity AssessmentCredit Limit ManagementRisk Exposure AnalysisCollateral AssessmentDelinquency ManagementFinancial Exposure ManagementCredit ChecksArtificial Intelligence ApplicationProcess Optimization
Tools & Technologies
ExcelPower BIERP Systems
Industry Keywords
Credit PoliciesRisk MitigationCredit Portfolio MonitoringFinancial Processes TransformationStrategic Projects
Tech Stack
Tools & technologiesERP
About the role
Key responsibilities & impact- Conduct complex credit analyses, assessing payment capacity, financial structure, indebtedness, relationship history, market behavior, and risk exposure
- Prepare technical credit assessments, recommending the establishment, maintenance, or review of credit limits and commercial terms
- Analyze strategic customers, higher-exposure transactions, and exceptional situations, balancing commercial opportunities with financial risk mitigation
- Monitor the credit portfolio, identifying changes in risk profile, exposure concentration, limit utilization, and signs of financial deterioration
- Periodically review credit limits and credit-granting criteria
- Support the development and evolution of credit policies, criteria, approval authorities, and processes
- Develop analyses and studies on credit risk, delinquency, financial exposure, and portfolio performance
- Track credit indicators and propose actions to reduce risks and improve portfolio performance
- Partner with the Sales, Collections, Finance, and other relevant departments
- Support the assessment of collateral, differentiated payment terms, and risk mitigation instruments
- Identify opportunities to improve and automate processes, controls, tools, and models
- Contribute to the team’s technical development
- Ensure proper documentation of credit analyses and decisions
- Participate in strategic projects related to Credit, Accounts Receivable, risk management, and the transformation of financial processes
Requirements
What you’ll need- Bachelor’s degree in a related field
- Solid experience in credit analysis and underwriting
- Knowledge of financial statement analysis, economic indicators, and payment capacity assessment
- Experience defining, reviewing, and managing credit limits and commercial terms
- Experience in credit risk, delinquency, collateral, and financial exposure management
- Knowledge of credit bureaus, credit checks, and risk assessment tools
- Advanced proficiency in Excel and data analysis tools
- Knowledge of Power BI and ERP systems, preferably SAP S/4HANA
- Experience applying Artificial Intelligence to data analysis and process optimization
Benefits
Comp & perks- The company is certified as a Great Place to Work
- Dynamic environment with collaboration, ownership, and a results-oriented culture
- Opportunities for growth, leadership, and meaningful impact
- Professional development, autonomy, and accountability in day-to-day work