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Vaga de Credit Analyst
Volvo em Curitiba - PR

Descrição da Vaga

Credit Analyst

The Credit Analyst acts in a team of high professional skills, developing analysis best practices and performing deep and consistent financial analysis.

Key Responsibilities:

  • Support activities related to Credit Area
  • Gather, review, understand and apply relevant information to credit decision
  • 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
  • Develop and utilize financial statement analysis skills to spread financial statements and prepare written comments highlighting important aspects of the financial statements
  • Ensures 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
  • Identifies and implements process improvement opportunities in the credit process
  • Other projects as assigned

Education:

  • University degree preferably in Administration, Economics, Engineering or Accounting

Professional Experience:

  • Experience in one or more of the following areas: loan/credit underwriting, portfolio asset management or credit/risk management
  • Banking and credit practices, financial and indexes analysis, knowledge of financial products
  • Credit reports, underwriting and decision recommendation

Main Competencies and Skills requirements:

  • High standard of professionalism and integrity
  • Established credit underwriting and analytical skills, including familiarity with personal credit bureau reports, commercial business reports
  • Familiarity of financial statements and experience preparing written summaries of key information. Financial statement analysis includes: ratio analysis, common sizing, review of industry norms, trending, and cash flow analysis
  • Experience interpreting key financial information and assessing the potential impact to the borrower is necessary
  • Demonstrated experience issuing credit decisions
  • Credit Scoring/scorecards/modeling experience is plus
  • Advanced level in MS Office required- Excel required. Expert level in MS Excel preferred
  • Well-developed communication skills and ability to develop and maintain good relationship with business areas, dealers, and customers
  • Demonstrated ability focusing 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
  • Fluent in English. desirable Spanish language speaking, reading and writing skills
  • Other captive banks experience is a differential (Retail and Wholesale analysis )
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Avaliações da Volvo


Satisfação geral dos funcionários

4.29
  • Remuneração e benefícios
    4.22
  • Oportunidade de carreira
    3.18
  • Cultura da empresa
    4.47
  • Qualidade de vida
    4.47

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