Senior Credit and Collections Analyst

• Analyze and assess complex credit transactions, interpreting financial statements, economic and financial indicators, repayment capacity, relationship history, and market information.
• Prepare technical credit opinions identifying risks and recommending credit limits, commercial terms, and collateral structures.
• Monitor customer portfolio exposure and risk profiles, including approved limits, credit utilization, risk concentration, and repayment capacity.
• Assess and recommend collateral structures in conjunction with the Legal team.
• Conduct credit analyses of agricultural producers, distributors, and corporate groups, taking into account the specific characteristics of the agribusiness sector.
• Support the analysis of structured credit transactions, including Barter transactions, CPRs (Brazilian rural product notes), and agricultural collateral.
• Monitor credit risk and delinquency indicators and propose preventive actions.
• Participate in Credit Committees by preparing analyses, opinions, and technical presentations.
• Collaborate with the Sales, Collections, Legal, and other relevant teams.
• Conduct periodic reviews of credit limits and update risk classifications.
• Develop and enhance credit management tools, reports, and controls.
• Contribute to the review and improvement of credit policies and methodologies.
• Serve as a technical resource for other analysts.
• Ensure the quality, integrity, and traceability of information and analyses while complying with internal policies, governance requirements, and confidentiality standards.

• Bachelor’s degree in Business Administration, Accounting, Economics, Engineering, or a related field.
• Postgraduate degree or MBA in Finance, Risk Management, Credit, Controllership, Agribusiness, or a related field.
• Certifications related to financial analysis, risk management, or financial markets.
• Knowledge of corporate credit analysis, financial statement analysis, balance sheets, income statements, and cash flow statements is required.
• Knowledge of economic and financial indicators, repayment capacity, indebtedness, and liquidity.
• Knowledge of credit risk assessment and collateral structures, credit policies, credit limit approval, and preparation of technical credit opinions.
• Proficiency in Microsoft Office, particularly advanced Excel.
• Familiarity with enterprise resource planning (ERP) systems, including SAP, and credit information tools.

• Work remotely under a Work From Anywhere model, with no corporate office
• Great Place to Work certification
• This position is also open to candidates with disabilities