Credit Analyst – Mid-level

Banco Sofisa S/A

full-time

Posted on:

Location Type: Hybrid

Location: São Paulo • Brazil

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Tech Stack

PMP

About the role

  • Analysis of financial statements for companies/groups with annual revenue from BRL 20 million (Balance Sheet, Income Statement (DRE), Cash Flow, Changes in Equity, explanatory notes)
  • Financial analysis of the cash cycle (PMR, PMP, PME — average collection, payment and inventory periods; equivalents: DSO, DPO, DIO)
  • Industry/sector analysis
  • Measuring collateral performance and standalone (clean) credit risk
  • Preparation of credit opinions and clear, concise presentation at pre-committee and credit committee meetings
  • Conducting calls and client visits
  • Liaising with the commercial team to understand credit requirements

Requirements

  • Bachelor’s degree in Business Administration, Economics, or Accounting
  • Intermediate knowledge of Microsoft Office
  • Experience in credit analysis and credit decision processes
  • Strong presentation skills for credit proposals
  • Availability for client visits
  • Good communication skills
Benefits
  • Meal allowance
  • Food allowance
  • Health insurance
  • Dental plan
  • Life insurance
  • Childbirth allowance
  • Wedding allowance
  • Daycare/babysitter subsidy
  • Birthday bonus
  • Commuter support (Apoio Pass)
  • Gym membership discount/partnership
  • Transportation voucher
  • Profit sharing (PLR)
  • Annual bonus
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
financial analysiscredit analysisfinancial statements analysiscash cycle analysiscollateral performance measurementcredit risk assessmentcredit opinion preparationpresentation skills
Soft Skills
communication skillsinterpersonal skillsorganizational skills
Certifications
Bachelor’s degree in Business AdministrationBachelor’s degree in EconomicsBachelor’s degree in Accounting