Imi Cib - Isp Banco Multiplo Brasil_Head Of Credit Department

Intesa Sanpaolo Group; São Paulo; Presencial; BRL 80.000 - 120.000; Tempo integral

Resumo da oferta

A leading corporate bank in São Paulo is seeking a Head of Credit Department to manage all credit activities, lead teams, and ensure compliance with local and international regulations. The ideal candidate has 5-10 years of senior-level experience in credit and more than 3 years in leadership roles. Master’s degree and fluency in Portuguese are required, with Italian as a plus. This position offers an opportunity to join an innovative international group committed to diversity and inclusion.

Serviços

Inclusive and equal environment

Qualificações

• 5 to 10 years of experience in the credit department at a senior level.
• More than 3 years in a team leadership position.
• Knowledge of banking regulatory environment in Brazil and Italy.

Responsabilidades

• Manage and coordinate all credit activities of the Bank.
• Lead the Credit Committee and supervise Credit Analysis teams.
• Monitor client credit limits and ensure compliance with credit policies.

Conhecimentos

Fluent Portuguese

Oral and written communication skills

Knowledge of the local credit market

Financial analysis techniques

Local banking products

Formação académica

Master's degree

Ferramentas

Microsoft Office

Descrição da oferta de emprego

Head of Credit Department

Location: San Paolo, BR

Scope and Purpose

• Manage and coordinate all credit activities of the Bank
• Lead and chair the Credit Committee and the Problem Loan Committee (if applicable)
• Supervise Credit Analysis and Credit Administration teams
• Prepare and analyze credit line proposals, including assessment of financial statements
• Monitor and review client credit limits
• Ensure proper management and filing of credit documentation
• Act as the point of contact for all credit-related issues, including interactions with auditors
• Ensure credit policies and guidelines are continuously updated and properly followed
• Monitor the loan portfolio to ensure credit risk objectives are met
• Manage the internal credit rating system and ensure timely updates of client ratings
• Monitor external credit rating agencies and align internal ratings accordingly
• Manage problem loans in line with ISP guidelines and local regulations
• Ensure quality of credit granted and proper use of approved credit lines
• Ensure compliance with credit policies set by ISP and local regulatory authorities
• Monitor credit portfolio growth and propose risk mitigation measures
• Set and review credit concentration limits and individual exposures monthly
• Promote a strong credit culture and ensure continuous training and updates for the Credit Department
• Update loss evaluation criteria and recommend provisions and write-downs when necessary
• Evaluate waivers and amendments related to credit agreements in coordination with ISP Central Credit Dept.
• Perform other credit-related tasks as requested by Top Management

Required Experience

Experience of 5 to 10 years in the credit department at senior level and more than 3 years in a team leadership position.

Technical Skills

• Microsoft Office
• Oral and written communication for professional interaction with internal departments and external counterparties
• Knowledge of the local credit market
• Financial analysis techniques
• Local banking products
• Loan documentation for secured loans
• Loan documentation for unsecured loans
• Banking regulatory environment in Brazil
• Banking regulatory environment in Italy
• Fundamentals of the Brazilian Bankruptcy Law
• Development and updating of credit policies, manuals, and procedures
• Compliance with internal guidelines and local regulatory requirements (BACEN)
• Proposal of preventive measures in credit management
• Management of non-performing loans

Language Skills

Fluent Portuguese. Italian is desirable.

Specific Knowledge

• Knowledge of the financial market
• Knowledge of internal policies and procedures in the banking sector
• Knowledge of BACEN regulations
• Knowledge of the Brazilian Bankruptcy Code

Qualifications

Master's degree is desirable.

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.

Join an international and innovative Group. Don't wait for the future, choose it!

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.

Data Protection Notice

For the evaluation of the application, the data will be processed by Intesa Sanpaolo Brasil S.A. - Banco Múltiplo as Data Controller. We invite you to review the dedicated Privacy Information Notice for more details.