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Descrição
CREDIT ANALYST - 116525BR Data Limite: 03/09/2021 Requisitos: University degree preferably in Administration, Economics, Engineering or Accounting; Master or specialization in Finance/Risk preferred; Strong combined experience in one or more of the following areas: loan/credit underwriting, portfolio asset management or credit/risk management; Banking and credit practices and knowledge of financial products; Credit reports, underwriting, credit bureau analysis and decision recommendation; High standard of professionalism and integrity; Established credit underwriting and analytical skills, including familiarity with personal credit bureau reports, commercial business reports; Experience preparing written summaries of key information; Demonstrated experience issuing credit decisions; Credit Scoring/scorecards/modeling experience is plus; Proven ability to work cross functionally; Must have strong organizational skills, with the ability to prioritize and work effectively on multiple tasks, in a fast paced, demanding environment; Effective decision-making skills; Must have strong people and team skills in order to effectively train and develop future talent and leaders; Excellent computer skills and MS Office 365 experience; Effective written and verbal communication skills and strong interpersonal skills; Well-developed communication skills and ability to develop and maintain good relationship with business areas, dealers, and customers; Demonstrated ability to focus on team work and creating a positive results oriented working environment in line with Volvo values; Human relations competency including the ability to proactively develop a change culture and improvements; Familiarity of financial statements analysis is a differential; Financial statement analysis includes: ratio analysis, common sizing, review of industry norms, trending, and cash flow analysis; Advanced English (speaking, reading and writing skills); Other captive banks experience is a differential (Retail and Wholesale analysis). Atividades: Conduct credit analysis based on overall operational information including: the experience of the applicant in the segment, payment capacity evidences, debt profile, payment performance, the capacity to take the credit proposed and credit bureau analysis (Central Bank and Serasa Experian); Gather, review, understand and apply relevant information to credit decision with theory and practical assumptions & concepts; Structure credit requests according to business and customer requirements, keeping in line with the Credit / Risk Area Policy & Procedures and strategies; Decide and communicate the credit decisions in properly time, and in accordance with the guidelines of risk and market requirements; Maximize the portfolio value, carefully examining new credit requests; Develop a results-oriented and a continuous improvement working environment; Ensure accurate and complete documentation of credit files and recommends credit lines for current and prospective customers; Assists in the development and implementation of procedures to minimize risk and improve underwriting quality; Identify and implement process improvement opportunities in the credit process; Other projects as assigned; Develop and utilize financial statement analysis skills is a differential.
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A Combinar
Sobre a Empresa
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Recursos Humanos/ Recrutamento e seleção