Credit Analyst
- Portugal
- Permanente
- Horário completo
- Supervise customer credit limits daily to manage risk
- Analyze customer financial documents, credit histories, company profiles, and industry trends to determine creditworthiness
- Counsel senior management on making customer credit limit changes and decisions
- Assign credit limits and recommend payment terms based on risk profiles
- Collaborate with sales, finance, and project teams to understand and mitigate operational and financial risks
- Quantify credit exposure and propose risk mitigation strategies like guarantees or insurance
- Implement credit limit adjustments and release blocked orders as directed by management
- Implement global credit management policies independently or with mentorship from senior management
- Showcase irregularities in automated rating models to senior leadership
- Understand and support the implementation and maintenance of rating and limit models.
- Provide inputs on model development based on prior experience with similar data models.
- Serve as the first point of contact for regional credit management inquiries.
- Coordinate and resolve credit management issues with external service providers.
- Furnish essential client data to external organizations for timely credit appraisal reports.
- Bring up concerns to senior management when required.
- Monitor external credit rating changes or negative credit events for existing customers and communicate timely updates to relevant departments.
- Monitor the financial well-being of credit customers in a proactive manner and recognize early indicators of potential risk.
- Compile manual credit assessment reports for customers in cases where external reports are not accessible.
- Maintain and update credit risk databases and systems to track customer credit performance and payment history.
- Collaborate with legal, compliance, treasury, and commercial operations teams to negotiate contracts and financing structures.
- Work with multinational customers and local teams to ensure compliance with regional and global risk guidelines.
- Leverage digital tools, automation, and analytics to boost the speed and accuracy of credit risk assessments.
- Find opportunities to streamline data gathering and risk analysis processes.
- Bachelor's degree or equivalent experience in Finance, Accounting, Economics, Business Administration, or a related field
- Ongoing studies for CFA or other certifications (e.g., FRM) are advantageous but not required
- 3-6 years of experience in credit assessment, financial evaluation, or internships within finance-related positions
- Familiarity with credit risk, financial analysis, or corporate finance concepts is preferred
- Strong understanding of financial statements (profit and loss, balance sheet, cash flow statements)
- Meticulous attention to detail when reviewing documents or reports
- Familiarity with Excel for financial analysis (e.g., simple formulas, pivot tables)
- Experience with SAP or other ERP systems is beneficial; openness to acquiring new skills is crucial
- Proficiency in Microsoft Office (Excel, Word, PowerPoint)
- Ability to analyze numerical and qualitative data to draw logical conclusions under supervision
- Proficiency in English is mandatory, and additional regional languages (e.g., German, Spanish) are a plus, depending on the geographic focus.
- Competitive salary and meal allowance
- Fair compensation for international work
- Health insurance coverage
- Remote work permitted within the country
- Additional 5 “Pontes” days off and Birthday off if it falls on a weekday, when not abroad (only applies for Portugal)
- Among others