Credit Risk Analyst – Focus on Financial Institutions Analysis
Sicredi
full-time
Posted on:
Location Type: Hybrid
Location: Porto Alegre • Brazil
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About the role
- Analyze balance sheets and financial statements of financial institutions, identifying trends, risks and key points of attention.
- Assess prudential indicators, capital structure, liquidity, loan portfolio quality and other metrics relevant to understanding the risk profile of financial institutions.
- Connect macroeconomic movements — such as interest rates, exchange rates and economic activity — to potential impacts on financial institutions' balance sheets.
- Monitor news, events and relevant information that could affect the financial health or risk profile of the institutions analyzed.
- Prepare technical reports and communications for different audiences and credit committees, ensuring clarity, accuracy and objectivity.
- Deliver presentations to Committees, Risk areas, other business units and Cooperatives, structuring analyses and recommendations clearly and with solid justification.
Requirements
- Solid knowledge of bank accounting, prudential indicators and capital structure;
- Ability to interpret economic scenarios and their impacts on the financial sector;
- Analytical and investigative profile with structured reasoning;
- Strong verbal communication skills, ability to synthesize and present ideas clearly;
- Degree in Economics, Business Administration, Engineering, Accounting or related fields.
- Differentials
- Experience in external audit or bank accounting;
- Knowledge of SQL or Python for exploratory analyses and data manipulation;
- Familiarity with BI tools (Power BI);
- Prior experience in credit risk analysis, prudential risk or evaluation of financial institutions;
- Familiarity with Central Bank regulations applicable to financial institutions (e.g., Basel, CMN Resolution 4966/21).
Benefits
- Fixed 14th and 15th salaries
- Profit-sharing (based on seniority)
- Health and dental insurance with no co-payment
- Wellness programs via Wellhub (formerly Gympass), including nutrition, psychology, occupational health, massage, running groups and local gym memberships
- Food and meal vouchers – flexible percentage allocation between VA/VR cards, no co-payment
- Extended maternity and paternity leave
- Childcare or babysitter allowance for children up to 6 years and 11 months
- Assistance for children with disabilities, no age limit
- Life insurance
- Private pension up to 8% of salary
- Training platform – Sicredi Aprende, offering various courses
- 40-hour workweek – using a time bank system
- Remote work allowance (except for positions that require 100% on-site presence).
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
bank accountingprudential indicatorscapital structureSQLPythoncredit risk analysisfinancial statement analysisdata manipulationeconomic scenario interpretationrisk profile assessment
Soft Skills
analytical skillsinvestigative skillsstructured reasoningverbal communicationsynthesis of ideaspresentation skillsclarityaccuracyobjectivityjustification