FREE ACCESS
5,000–10,000 jobs/day
See all jobs on Scoutfield
Search thousands of fresh jobs every day.
Discover
- Fresh listings
- Fast filters
- No subscription required
Create a free account and start exploring right away.
Credit Analyst – Senior
SIN Sistema de Implante Nacional Ltda.. Conduct medium- and high-complexity credit analyses, taking into account repayment capacity, financial history, payment behavior, exposure, risk concentration, and other relevant information .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in conducting complex credit analyses, assessing financial indicators, and implementing risk management strategies. Proficient in analyzing corporate and individual credit, managing B2B portfolios, and utilizing credit analysis tools to enhance decision-making processes.
Highest-signal resume keywords
Credit AnalysisRisk ManagementFinancial Indicator InterpretationB2B Portfolio ManagementAdvanced Excel Skills
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 AnalysisRisk AnalysisFinancial Statement AnalysisRepayment Capacity AssessmentCredit Limit SettingData AnalysisCredit Improvement ProjectsAutomation ProjectsPortfolio MonitoringCollateral Evaluation
Soft Skills
Collaborative Relationship BuildingKnowledge SharingConsultative Support
Tools & Technologies
Credit Analysis ToolsERP SystemsAutomation ToolsCredit Decision Engines
Industry Keywords
Credit PoliciesRisk ConcentrationPayment BehaviorMarket TrendsPortfolio Quality Monitoring
Tech Stack
Tools & technologiesERP
About the role
Key responsibilities & impact- Conduct medium- and high-complexity credit analyses, taking into account repayment capacity, financial history, payment behavior, exposure, risk concentration, and other relevant information
- Prepare well-founded technical opinions, recommending approval, rejection, review, or adjustment of credit terms
- Assess transactions involving exceptions to current policies, providing technical justifications and risk-mitigation alternatives
- Make decisions within established approval authorities and escalate matters beyond your authority to the appropriate levels
- Implement, review, and adjust credit limits
- Monitor portfolio exposure and identify situations requiring credit limits to be reduced, maintained, or increased
- Assess risk concentration, limit utilization, delinquency history, and other relevant indicators
- Identify financial, credit, operational, and commercial risks
- Evaluate collateral and risk-mitigation mechanisms
- Propose alternatives to reduce the company’s exposure
- Monitor market trends and changes in portfolio behavior
- Participate in the development, review, and continuous improvement of credit policies, procedures, and criteria
- Propose improvements to credit analysis and approval processes, workflows, tools, and models
- Identify process and control gaps and propose action plans
- Monitor and interpret portfolio performance and risk indicators
- Prepare management analyses and studies to support credit approval and management decisions
- Identify trends, deviations, and improvement opportunities through data analysis
- Support management in defining indicators and criteria for monitoring portfolio quality
- Act as a consultant to the Sales, Finance, and other related departments
- Build collaborative relationships with business areas while preserving technical independence
- Guide the team in more complex situations and promote knowledge sharing
- Support the standardization of analyses and improvement of decision quality
- Share knowledge of credit policies, tools, indicators, and analysis practices
Requirements
What you’ll need- Bachelor’s degree in Business Administration, Accounting, Economics, Financial Management, Management Processes, or a related field
- Postgraduate degree or MBA in Finance, Credit and Risk, Controllership, Business Management, or a related field — preferred
- Experience managing B2B portfolios
- Experience with credit improvement or automation projects
- Experience analyzing corporate and individual credit
- Experience analyzing balance sheets, income statements, and cash flow statements
- Experience analyzing repayment capacity and indebtedness
- Experience in risk analysis and credit limit setting
- Ability to interpret financial indicators
- Knowledge of credit bureaus and credit information sources
- Strong knowledge of credit analysis tools, financial indicators, and risk management processes
- Advanced Excel skills
- Advanced knowledge of ERP systems
- Knowledge of automation tools and/or credit decision engines — preferred
Benefits
Comp & perks- Meal Voucher
- Food Voucher
- Medical Insurance
- Dental Insurance
- TotalPass
- Transportation Voucher
- Life Insurance
- Birthday Day Off
- Profit-Sharing Bonus
- Discounts on Universities, Language Courses, and Leisure Activities