Analyst responsible for operational credit processes at SB Crédito, ensuring compliance and efficiency. Collaborating cross-functionally to support quality outcomes in financial operations.
Responsibilities
Execute the operational activities of the full credit cycle, monitoring deadlines, workflows and pending items, working in partnership with other areas to ensure agility, compliance and adherence to SLAs;
Perform technical and financial analysis of transactions, assessing repayment capacity, collateral, cash flow, capital structure and the borrower’s risk profile;
Control, record and organize documents and information in internal systems and in physical/digital files, ensuring accuracy and traceability;
Produce reports and tracking spreadsheets for operational follow-up, and develop and monitor area performance indicators (KPIs);
Verify data, contract terms and release/settlement procedures for credit operations;
Ensure compliance with internal policies, standards and legal requirements, safeguarding the confidentiality of information;
Provide support for internal and external audits, supplying documentation for executed operations;
Participate in the development and refinement of credit models, internal scoring, risk matrices and granting criteria;
Propose improvements to processes, workflows or systems and support their implementation, with a focus on standardization, efficiency and results;
Analyze data, processes and information to support decision-making and improvements;
Support projects and initiatives within the area to enhance efficiency and quality of deliverables.
Requirements
Experience with receivables advances/financing, Factoring, FIDC and securitization companies;
Knowledge of the NETFACTOR (Orderby), VADU, CERC, WBA and Q Prof (Certifica) platforms;
Experience in credit analysis and portfolio risk assessment (assignor/receiver), liquidity ratios, limits, tranches and clean operations;
Ability to review collateral/backing, rates, float, average tenor, repurchase and monitoring of escrow accounts (QI Tech).
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