Analyze credit applications, evaluating customers' ability to pay and the risk of default for clients in the automotive retail segment, consortia, and loans secured by real estate (EGI) for individuals and legal entities.
Collect, review and verify the documentation required for credit approval.
Conduct financial feasibility studies and credit risk analysis.
Prepare reports and assessments on customers' repayment capacity.
Keep customer information up to date in the credit management system.
Participate in meetings and collaborate with other areas of the company, such as sales and collections.
Assist in the implementation of credit policies and procedures.

Bachelor's degree completed or in progress in Administration, Economics, Accounting or related fields.
Strong analytical skills and attention to detail.
Ability to work well in a team and strong communication skills.
Ability to meet deadlines and work under pressure.
Knowledge of the main tools and systems used for credit decision-making (credit bureaus, BACEN).
Knowledge of credit and risk analysis.
Previous experience in the credit or financial area.
Knowledge of balance sheet and financial statement analysis (a plus).

Credit Analyst, Mid-level

Key skills