Credit Analyst – Mid-level

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Evaluate and assess risk perspectives for credit applications within the approval process.

• Analyze both internal (Isaac) and external (market) data sources.

• Assess cash flows, income statements, balance sheets, leverage, and collateral utilizing IRPF/IRPJ, SCR, and credit bureaus (Serasa, Boa Vista, and Quod).

• Develop covenant frameworks with educational institutions and ensure transparency for the monitoring team.

• Identify methods for ongoing enhancement of the analysis process.

• Streamline the decision-making process by collaborating with the policies and commercial teams.

• Assist in preparing materials for client meetings as required.

• Offer insights to the policies team based on findings and areas for filter improvement.

• Maintain a record of analyses to track the performance of the credit desk.

⛳️ Requirements

• Prior experience in credit analysis, financial risk, or related fields.

• Proficiency in SQL for querying internal databases and conducting analyses.

• Ability to develop financial forecasts.

• Skill in structuring comprehensive analyses that integrate both internal and external data.

• Technical capability to analyze financial statements and credit bureau reports.

• Eagerness to gain knowledge about the credit and collections landscape.

• Interest in keeping abreast of trends in the financial market.

🏝️ Benefits

• Meal allowance and/or meal vouchers.

• Health and dental insurance coverage.

• Transportation allowance.

• Extended maternity and paternity leave.

• Childcare assistance.

• Health support through partnerships with Wellhub and Zenklub.

• Educational incentives.

• Discounts on airline tickets.

• Partnership for pet health insurance.

• Access to Arco educational materials for employees' children.

• Collaborations for MBA and postgraduate programs.