Civia

Analyst

• Analyze credit applications by reviewing and verifying documentation, indebtedness, credit history and repayment capacity, seeking to mitigate credit-granting risk;
• Perform checks with credit protection agencies using available tools to avoid the risk of credit loss;
• Analyze credit products, credit policies and pricing by gathering information to enable more accurate assessments;
• Assess the impact of projects, improvements and implementations related to credit management, and participate in large-scale system testing (mass homologation) to reduce implementation errors;
• Align credit proposal preparation and credit-analysis procedures with Service Units, contacting staff to clarify doubts and/or propose alternatives;
• Analyze portfolio indicators through monitoring dashboards to contribute to credit portfolio management;
• Develop and/or update manuals and other materials on topics relevant to the area, preparing circulars, instructions and notices to improve understanding and information sharing among Cooperative employees;
• Perform other duties related to the role;
• Comply with other responsibilities common to all positions within the Ailos System.

Credit Analyst