Senior Credit Analyst at Junto Seguros handling complex credit analysis and financial reporting. Contributing to technical and team development through mentorship and expertise sharing.
Responsibilities
Conduct credit analyses of Middle Market to Corporate+ companies, considering financial and corporate structure and sector-specific risks;
Prepare technical credit opinions and defend recommendations before the Credit Committee with a well-supported rationale;
Monitor borrowers with higher exposure or risk, proposing preventive actions and mitigation strategies;
Review analyses produced by junior and mid-level analysts, within the decision-making authority of the role;
Participate in meetings with clients and the commercial team to deepen understanding of risk;
Track news, market indicators and developments that may impact the portfolio, suggesting adjustments when necessary;
Contribute to the team's technical and behavioral development through mentoring and sharing best practices;
Assess the impact of accounting standards on credit analysis;
Propose improvements to processes, tools, policies and analytical models to increase efficiency and accuracy.
Requirements
Bachelor's degree in Business Administration, Accounting, Economics or related fields;
Strong experience in balance sheet analysis and interpretation of financial statements;
Experience in credit analysis, especially focused on corporate clients (legal entities), working with varying profiles and levels of complexity;
Intermediate English, with good reading and document interpretation skills;
Proficiency in Microsoft Office, especially Excel, for data manipulation and analysis.
Benefits
Meal and food allowance (flexible card);
Christmas special – double meal allowance in December;
Extended maternity leave;
Extended paternity leave;
Transportation voucher;
Birthday day off;
SulAmérica health plan;
Dental plan;
Wellhub (Gympass);
Conexa Saúde (therapy, nutritionist and medical consultations);
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