Analista Sênior de Risco de Crédito

GM Financial; São Paulo; On-site; BRL 120,000 - 180,000; Full time

Job summary

GM Financial in São Paulo is seeking a Commercial Lending Risk Analyst to assess financial statements, credit data, and internal information to determine risk ratings and credit recommendations for new facilities or renewals.

The role requires collaboration with multiple departments and adherence to credit policies, with strong English language skills and pressure-management capabilities to ensure timely approvals.

Qualifications

• Experience in Commercial credit analysis and underwriting
• Degree in Business Administration, Economics, Engineering or Accountancy
• Fluent English in speaking and writing; other languages are a plus
• Knowledge of financial statements and risk indicators
• Understanding of credit policies and procedures
• Ability to work under pressure and meet deadlines

Responsibilities

• Analyze financial statements, credit data, and internal information to determine risk ratings and recommendations for new or renewed credit facilities.
• Document and submit assessments for approval to Risk/Operations as required.
• Collaborate with other departments, branches, and customers to complete assessments and obtain approvals or rejections.

Skills

Financial analysis

Analytical thinking

Communication skills

Prioritization

Planning skills

MS Office

Credit policies understanding

Education

Business Administration

Economics

Engineering

Accountancy

Tools

Microsoft Office

Job description

Job Description

The commercial lending risk analyst is responsible for analyzing financial statements, credit data and internal information to determine a risk rating and a recommendation to establish a new credit facility or to renew the customer’s current credit lines. Through a credit review, the analyst will document and submit their assessment for approval to Risk/Operations as required.

Responsibilities

The commercial lending risk analyst is responsible for analyzing financial statements, credit data and internal information to determine a risk rating and a recommendation to establish a new credit facility or to renew the customer’s current credit lines. Through a credit review, the analyst will document and submit their assessment for approval to Risk/Operations as required.

Underwriter must be able to work with other departments, office branches, and/or end‑customer to effectively complete the assessment and obtain the approval/rejection. Must quickly understand and adhere to established policies and procedures.

Qualifications

• Underwriting experience with Commercial credit analysis (e.g. financial statements, income statements, cash flow and other financial analysis);
• Degree level educated in Business Administration, Economy, Engineer or Accountancy;
• Fluent in English verbal and written – other languages advantageous;
• Knowledge of financial statements and risk indicators;
• Ensure understanding of credit policies and procedures established;
• Highly self‑motivated and able to work well under pressure;
• Analytical mind‑set, business results‑oriented, ethical and high integrity;
• Ability to effectively prioritize and execute tasks;
• Good planning and organizational skills;
• Excellent verbal and written communication skills;
• Ideally knowledge of the car financing sector/market (this is a plus);
• High analytical capacity and problem solving ability;
• General knowledge of Microsoft Office tools (Excel, PowerPoint, Word) to work with regular spreadsheets, word documents and presentations.

About Us

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About The Team

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