Underwriter - C11 - SAO PAULO

Citi; São Paulo; Presencial; BRL 120.000 - 150.000; Tempo integral

Resumo da oferta

A leading financial institution is seeking a Credit Analyst in São Paulo, Brazil. The role involves conducting credit reviews, analyzing customer portfolios, and collaborating with risk management. Candidates should have 3-6 years of credit analysis experience, strong analytical skills, and advanced English proficiency. This full-time position offers an opportunity to work within a dynamic team environment.

Qualificações

• 3-6 years of experience in credit analysis.
• Knowledge of accounting, corporate finance, financial analysis/modeling.
• Ability to work autonomously and in a team.

Responsabilidades

• Conduct risk assessments and customer credit analyses.
• Prepare approval memoranda and conduct due diligence.
• Engage in customer visits and calls.

Conhecimentos

Analytical Thinking

Constructive Debate

Escalation Management

Financial Analysis

Policy and Procedure

Policy and Regulation

Product Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Formação académica

Bachelor's degree/university degree or equivalent experience

Ferramentas

Microsoft Office

Descrição da oferta de emprego

Overview

Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team.

Responsibilities

• Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;
• Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses;
• Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments/news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;
• Assists in preparing portfolio review and conducting stress tests;
• Participates in credit committees and discussions, proactively;
• Engagement in customer visits and calls;
• Builds working relationships with multiple teams across the bank, including sales, markets, and product teams;
• Resolves issues and recommends solutions to moderate issues;
• Serves as an expert and consultant for specific industries;
• Advises the commercial area on transaction structures and negotiates credit terms;
• Appropriately assess risks during business-related decision-making processes, with particular attention to the reputation and protection of Citi's credit portfolio;
• Transparently escalate, manage, and report control issues.

Qualifications

• Previous experience in credit analysis (3-6 years);
• Knowledge of accounting, corporate finance, financial analysis/modeling, credit products, derivatives, risk assessment and transaction execution;
• High degree of customer analytical capacity and complex structures. Consistently demonstrate clear and concise communication (written and oral) Proven ability to work with a high degree of autonomy and in a team;
• Ability to work with reduced delivery time (sense of urgency);
• Ability to negotiate with the commercial area and risks;
• Previous experience of DD meetings with clients;
• Demonstrated responsibility, self-motivation and business acumen;
• Mastery of the Office package.

Education

• Bachelor's degree/university degree or equivalent experience

Languages

• Advanced English

Job Family Group: Risk Management

Job Family: Credit Decisions

Time Type: Full time

Most Relevant Skills

• Analytical Thinking
• Constructive Debate
• Escalation Management
• Financial Analysis
• Policy and Procedure
• Policy and Regulation
• Product Knowledge
• Risk Controls and Monitors
• Risk Identification and Assessment

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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