Betunel

Credit Analyst

Betunel

full-time

Posted on:

Location Type: Hybrid

Location: Rio de Janeiro • Brazil

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About the role

  • Conduct comprehensive economic and financial analysis of clients, with critical review of balance sheets, income statements, cash flow, indebtedness, capital structure, liquidity, profitability and cash generation capacity;
  • Assess clients' repayment capacity and operational execution ability, considering payment history, portfolio of contracts/projects, receivables profile (especially public-sector receivables), risk concentration, collateral and overall credit exposure;
  • Analyze the client's market positioning, industry sector, level of competitiveness, dependency on public or private contracts, business cycle and sensitivity to economic variations;
  • Monitor the macroeconomic and sectoral environment (interest rates, inflation, credit, infrastructure investments, public budgets, bank funding), evaluating direct impacts on clients' financial capacity and on portfolio risk;
  • Calculate and review credit limits and requirements based on sales schedules, contracted volumes, prices, exposure already granted, existing collateral and risk profile;
  • Propose updates to the Credit Policy, considering economic and regulatory changes, market practices, financial costs, collateral enforcement and competitors' strategies;
  • Structure, enhance and operationalize credit analysis models, rating criteria, risk segmentation and mitigation instruments;
  • Develop and monitor risk indicators (aging, concentration, exposure, delinquency, payment behavior);
  • Contribute to the automation of analyses, information security and the use of analytical tools and dashboards to support decision-making.

Requirements

  • Bachelor's degree in Accounting, Economics, Production Engineering or related fields;
  • Knowledge of the dynamics of different funding sources (equity, bank credit, receivables, public contracts);
  • Proficiency in financial statement analysis, income statements, cash flow and financial indicators;
  • Knowledge of corporate finance and financial mathematics;
  • Knowledge of credit analysis techniques and risk management;
  • Market analysis and assessment of macro and microeconomic trends;
  • Advanced Excel skills;
  • Experience with Power BI and building analytical dashboards;
  • Basic understanding of legislation related to credit, collateral and enforcement;
  • Experience in credit analysis, preferably in infrastructure, construction, industrial or B2B services sectors;
  • Experience analyzing financial statements, risk assessment, market reading and client monitoring;
  • Experience with competitor analysis, the economic environment and sectoral movements;
Benefits
  • Transportation allowance
  • Meal or food allowance
  • Health insurance
  • Dental plan
  • Gympass
  • Life insurance
  • Profit sharing
Applicant Tracking System Keywords

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

Hard Skills & Tools
financial statement analysiscredit analysis techniquesrisk managementfinancial mathematicsmarket analysiseconomic analysiscredit policy updatesrisk indicators developmentdata automationanalytical tools
Soft Skills
critical reviewdecision-makingoperational executionclient monitoringcompetitor analysis
Certifications
Bachelor's degree in AccountingBachelor's degree in EconomicsBachelor's degree in Production Engineering