Junior Analyst responsible for analyzing PJ operations and managing guarantees at Banco Semear. Engaging with various departments to ensure compliance with regulations and internal policies.
Responsibilities
Analyze new corporate (PJ) transactions for the adequacy, sufficiency and documentation of the guarantees provided, prior to formalization or fund disbursement.
Register and control guarantees linked to corporate transactions, including receivables, real estate, machinery, equipment and vehicles.
Perform financial reconciliations of funds associated with guarantees, identifying amounts that must remain blocked and amounts that can be released to the client.
Monitor and update guarantee controls for the working capital, guarantee-account, receivables advance and structured transactions portfolios.
Support the analysis of measurement reports and financial controls for construction projects tied to structured transactions and business plans.
Carry out support activities for extrajudicial (out-of-court) collections, monitoring negotiations, payments and regularizations related to guarantees.
Update control spreadsheets, dashboards and management reports, ensuring consistency and integrity of information.
Support improvements to routines, internal controls and operational processes within the guarantees and processing area.
Interact with credit, risk, legal and back-office teams to ensure proper documentation and compliance with internal policies and Central Bank regulations.
Requirements
University degree completed or in progress in Administration, Economics, Accounting, Production Engineering or related fields.
Basic to intermediate knowledge of corporate credit operations and banking products (working capital, guarantee account, receivables advances).
Proficiency in Excel (pivot tables, formulas, data cross-referencing).
Basic knowledge of Power BI or other BI tools (plus).
Ability to read and interpret financial reports and construction progress measurements.
Basic knowledge of financial calculations — interest, CDI (interbank deposit rate), default interest and fines, balance updates and maturity tracking.
Previous experience in banking operations, guarantees, extrajudicial collection or financial reconciliation is desirable.
Benefits
Medical insurance
Dental insurance
Childcare assistance
Profit sharing (PLR)
Home-office allowance
Food allowance
Meal allowance
Transport allowance
Breakfast provided
Cultural voucher
Job title
Junior Analyst, Guarantees and Processing (Corporate)
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