Wholesale Sr Credit Analyst

Curitiba Permanente
  • Advanced Excel skills (VBA/Macro is a differential)
  • English Proficiency (mandatory)

Sobre nosso cliente

Our client is a global financial solutions, supporting the company's Group brands with expert financial services. This includes providing customers and dealers with a full-range of offerings, such as financing, leasing, and insurance solutions. Our team of about 1,400 professionals are located in 45 countries worldwide. As a part of the company's team, you will experience challenging assignments, gain international exposure, and interact with colleagues around the world.

Descrição

  • Conduct credit analysis based on overall information including the experience of applicant in the segment, and Financial Statement (Balance Statements, Trial balance results, etc), Payment and inventory audit perform, relationship with VFS and OEMs, the financial indicators defined for dealer in each Business Area: Trucks, Bus, VCE and Penta dealers;
  • Gather, review, understand and apply relevant information to credit decision with theory and practical assumptions & concepts;
  • Evaluate OEMs forecasted PO to calculate Dealer's credit limit needed to support their sales, ensuring adequate credit limit mitigated risks;
  • Provide adequate and on time dealers credit lines to support OEM's new invoices;
  • Monitoring dealer's financial performance;
  • Negotiate with dealers and ensure the appropriate level of guarantees;
  • Work with OEM's Dealer Development area to build/keep a sustainable network;
  • Evaluate, approve and monitoring over limit on demand;
  • Ensure compliance with central bank requirements;
  • Provide support with the necessary information for the formalization area issues the appropriate contracts;
  • Attend internal and external audits on underwriting process;
  • 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;
  • Visit dealers and customers when necessary to support credit decision.

O candidato

Professional Competencies:

  • Strong combined experience in one or more of the following areas: Wholesale credit analyst, Loan/credit underwriting, portfolio asset management and/or credit risk management;
  • Banking and credit practices and knowledge of financial products;
  • Credit reports, underwriting, credit bureau analysis and decision recommendation;
  • It will be a differential experience with captive banks.



Main Competencies and Skills Requirements:

  • Financial statements analysis experience is essential (it includes: ratio analysis, common sizing, review of industry norms, trending, and cash flow analysis);
  • High standard of professionalism and integrity;
  • Established credit underwriting and analytic skills (including familiarity with credit bureau reports, commercial business reports);
  • Experience preparing written summaries of key information;
  • Demonstrated experience issuing credit decisions;
  • Credit Scoring/scorecards/modeling experience;
  • 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;
  • Ability to develop and maintain good relationship with business areas, dealers, and customers.

O que está sendo ofertado

Competitive salary
Baking Benefits:

  • Plano de previdência privada;
  • Assistência médica e odontológica;
  • Ticket alimentação;
  • Refeitório interno;
  • Auxílio-farmácia (70% de reembolso das despesas de medicamentos prescritos);
  • Sistema de transporte fretado para funcionários;
  • Associação Viking, Clube Gazeta do povo e Gympass;
  • PLR;
  • Auxílio-creche com valor mensal para dependentes com até 5 anos e 11 meses.
Contato
Fernanda Assunção
Referência da Vaga
191560

Resumo da vaga

Indústria
Localização
Tipo de contratação
Nome do consultor
Fernanda Assunção
Referência da vaga
191560