Credit Analyst Associate

Intesa Sanpaolo Group; Brasil; Remote; BRL 90,000 - 150,000; Full time

Job summary

Intesa Sanpaolo Brasil S.A. - Banco Múltiplo is seeking a Credit Analyst to assess clients' creditworthiness, evaluate lending opportunities, and prepare credit proposals for decision-making, while monitoring exposures and supporting risk governance.

The role collaborates with Relationship Managers and risk teams, requires a bachelor in Economics/Accounting/Finance, 3-5 years in credit analysis, and proficiency in Excel/Word; Portuguese and English communication is essential.

Qualifications

• Bachelor’s degree in Economics, Accounting or Business Administration with focus in Finance.
• 3–5 years of experience in credit analysis at large Brazilian or international banks (Corporate Banking).
• Knowledge of financial and credit analysis techniques.
• Knowledge of financial projections and markets.
• Knowledge of acquisition financing.
• Knowledge of cross-border financing structures.
• Knowledge of Brazilian credit products and the Brazilian banking regulatory environment.
• Knowledge of the local corporate lending market.
• Proficient in Microsoft Excel and Word.
• Written and spoken Portuguese and English.

Responsibilities

• Prepare credit applications, reviews and proposals for submission to the appropriate credit authority.
• Assess creditworthiness, internal ratings, credit limits and exposure.
• Evaluate new business opportunities and renewals; handle waivers and amendments.
• Support structuring of credit transactions and risk-mitigating measures.
• Monitor loan portfolios and identify potential risk situations.
• Review contract docs from a credit perspective, including financing agreements and covenants.
• Collaborate with Relationship Managers and risk staff throughout the credit process.
• Assist the Head of Credit with regulatory and internal reporting.
• Help set up and update credit procedures and internal documents.

Skills

Credit analysis techniques

Financial projections

Acquisition financing

Cross-border financing structures

Brazilian credit products

Brazilian banking regulations

Local corporate lending

Portuguese and English (written and/or

Education

Bachelor’s degree in Economics, Accounting or Business Administration with focus in Finance

Tools

Microsoft Excel

Microsoft Word

Job description

Overview

As a Credit Analyst, you will assess clients’ creditworthiness, evaluate lending opportunities, and prepare credit proposals for decision-making. You will monitor credit exposures and portfolio performance, support the structuring of financing transactions, review credit documentation, and identify appropriate risk mitigation measures. Working closely with business and risk stakeholders, you will contribute to reporting activities, ensure compliance with credit policies and regulations, and support the continuous improvement of credit processes and procedures.

What you'll be doing

Key responsabilities will be:

• Prepare credit applications, reviews and proposals for submission to the appropriate credit authority


• Assess creditworthiness, internal ratings, credit limits and appropriate levels of credit exposure


• Perform thorough assessment of new business opportunities, renew of existing exposures, annual reviews, waivers requests, amendments and other credit-related requests


• Support the structuring of credit transactions, including financing structure, covenants, guarantees and other risk mitigation mechanisms


• Monitor the assigned credit portfolio, proactively identifying potential risk situations and recommending appropriate actions


• Review contractual documentation from a credit perspective, including financing agreements, covenants, waivers and amendments


• Work closely with Relationship Managers, Parent Company Credit Department Officers and other relevant stakeholders throughout the credit process


• Help the Head of Credit preparing regulatory report and internal report to ensure a timely and accurate reporting activities


• Help the Head of Credit set up and update credit procedures, policies and any other internal document related to Credit matters and perform any other credit-related activities as assigned.

Who we are looking for

If you want to turn your passion into a career and you have the following characteristics, we are waiting for you:

• Minimum bachelor’s degree in Economics, Accounting or Business Administration with focus in Finance


• 3-5 years of of experience in credit analysis of large Brazilian or International banks focused on the Corporate Banking segment


• Knowledge of financial and credit analysis techniques


• Financial projections and markets


• Knowledge of acquisition financing


• Knowledge of cross-border financing structures and of restructuring financing transactions


• Knowledge of Brazilian credit products and of the Brazilian banking regulatory environment and products


• Knowledge of the local credit market and ofCorporate lending structure


• Microsoft Excel and Word


• Written and verbal communication capabilities in Portuguese and English.

About us

Intesa Sanpaolo Brasil S.A. - Banco Múltiplo is a Corporate Bank within the IMI Corporate & Investment Banking Division of the Intesa Sanpaolo Group. It is the only Italian bank with an operational presence in Brazil, providing advanced corporate and investment banking solutions dedicated to the specific needs of companies, financial institutions and public organizations.

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We guarantee an inclusive and equal environment. We will consider all applicants regardless of race, religion, sexual orientation, gender identity, marital status, national origin, age, disability, or any other protected category in compliance to D.lgs. 198/2006, 215/03 and 216/03.

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