About the role

  • Analista de crédito na Embracon realizando análise de concessão de crédito e mitigação de riscos de inadimplência. Colaborando com áreas internas e mantendo sigilo total das informações dos clientes.

Responsibilities

  • Perform credit approval analysis for awarded consortia members (individuals and companies) and joint debtors;
  • Analyze guarantees/collateral;
  • Make decisions in accordance with the Company's Credit Policy;
  • Mitigate the risks of default and fraud;
  • Gather information and perform necessary verifications for sound decision-making;
  • Escalate decisions to higher approval levels as required;
  • Provide support and necessary information to internal departments and commercial teams when needed;
  • Maintain strict confidentiality of client information.

Requirements

  • Completed higher education: Business Administration, Economics, Accounting, or Law;
  • Experience in credit analysis, specifically in consortium administrators, banks, and/or financial institutions.
  • Desired:
  • Intermediate Excel skills;
  • Experience with the Newcon system;
  • Knowledge of financial statement analysis.

Benefits

  • Medical, dental and psychological assistance
  • Transportation voucher (commute allowance)
  • Meal or food allowance
  • Partnerships with gyms and wellness providers
  • Life insurance
  • Birthday day off
  • Wellness programs
  • "We9re Pregnant!" programs (pregnancy support)
  • Recognition programs
  • Private pension / retirement plan
  • Education scholarship / tuition assistance
  • Student transportation voucher
  • Marriage benefit
  • Maternity leave of 6 months
  • Paternity leave of 20 days
  • Payroll-deductible loan
  • Purchase of consortium with employee discount
  • PPR (Results Participation / Profit Sharing Program)
  • UCE (Embracon Corporate University)

Job title

Mid-level Credit Analyst

Job type

Experience level

Mid levelSenior

Salary

Not specified

Degree requirement

Bachelor's Degree

Location requirements

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