Perform credit analyses for corporate clients (B2B), assessing risks and the feasibility of granting credit limits
Analyze balance sheets, income statements (DRE) and financial indicators to evaluate financial health, leverage and ability to pay
Conduct credit bureau checks, analyze credit scores, records and the financial history of clients and partners/shareholders
Evaluate and validate customer registrations and corporate documents
Release sales orders in the ERP, ensuring compliance with credit and customer registration policies
Work closely with the sales team, providing clarifications on analyses, approvals and denials
Monitor credit limit renewals and periodic reviews of clients
Support the preparation of reports, credit opinions and credit releases, according to authorization levels
Participate in projects to improve and automate the department's processes.

Bachelor's degree in progress or completed in Business Administration, Accounting, Economics, Law or related fields
Previous experience in credit analysis (individual and/or corporate)
Knowledge of financial analysis, balance sheet and income statement (DRE)
Experience with credit bureaus and risk analysis
Ability to handle a high volume of requests and meet deadlines (SLA)
Good communication skills for interfacing with internal areas, especially Sales.

Health and dental plans
Zenklub: health and well-being platform, including psychological support
Casa da Saúde: medical and dental consultations, plus clinical tests
Gympass
Cafeteria
Pharmacy discounts
Medical Emergencies: agreement with the health plan for at-home or telephone assistance
Semi-flexible working hours
Hybrid work
Childcare allowance and maternity kit
Discounts at Universidade Positivo (UP) for employees and dependents
Saber Mais: Professional Development Portal
Discounts at Colégio Positivo for employees' children
PPR (profit-sharing/performance bonus)
Good Card: card accepted at over 130,000 establishments
Life insurance
Payroll-deductible loan
Private pension plan
Transportation voucher or parking
Parceiro Positivo: partner site with discounts on our products

Junior Financial Analyst, Credit Analysis

Key skills