Leave of Absence Analyst supporting internal and external partners on leave processes. Coordinating accommodations under applicable laws and ensuring compliance with state leave laws.
About the role
- Credit Analyst responsible for assessing financial risks at Betunel. Analyzing credit conditions and market dynamics to ensure sustainable financial decisions.
Responsibilities
- Perform comprehensive economic and financial analyses of clients, including critical review of balance sheets, income statements, cash flows, indebtedness, capital structure, liquidity, profitability and cash-generation capacity;
- Assess clients' payment capacity and operational execution capability, taking into account payment history, portfolio of contracts/projects, receivables profile (particularly public receivables), risk concentration, collateral and overall credit exposure;
- Analyze the client's market positioning, sector of activity, level of competitiveness, dependence on public or private contracts, business cycle and sensitivity to economic fluctuations;
- Monitor the macroeconomic and sectoral environment (interest rates, inflation, credit, infrastructure investment, public budgets, bank funding), evaluating direct impacts on clients' financial capacity and on portfolio risk;
- Calculate and review credit limits and requirements based on sales schedules, contracted volumes, prices, exposure already granted, existing collateral and risk profile;
- Propose updates to the Credit Policy considering economic and regulatory changes, market practices, financial costs, collateral enforcement and competitor strategies;
- Structure, enhance and operationalize credit analysis models, rating criteria, risk segmentation and mitigation instruments;
- Develop and track risk indicators (aging, concentration, exposure, delinquency, payment behavior);
- Contribute to automating analyses, ensuring information security and using analytical tools and dashboards to support decision-making.
Requirements
- Bachelor's degree in Accounting, Economics, Production/Industrial Engineering or related fields
- Knowledge of the dynamics of different funding sources (equity, bank credit, receivables, public contracts)
- Experience in balance sheet analysis, income statements (P&L), cash flow and financial indicators
- Knowledge of corporate finance and financial mathematics
- Knowledge of credit analysis techniques and risk management
- Market analysis and understanding of macro and microeconomic trends
- Advanced Excel skills
- Experience with Power BI and building analytical dashboards
- Familiarity with legislation related to credit, collateral and enforcement
- Experience in credit analysis, preferably in infrastructure, construction, industrial sectors or B2B services
- Experience in analyzing financial statements, risk assessment, market analysis and client monitoring
- Experience with competitor analysis, economic environment assessment and sectoral developments
Benefits
- Transportation allowance
- Meal or food allowance
- Health insurance
- Dental plan
- Gympass
- Life insurance
- Profit sharing
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Location requirements
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