Senior Credit and Collections Analyst

Job not on LinkedIn

🔥 3 minutes ago

🇧🇷 Brazil – Remote

⏰ Full Time

🟠 Senior

📞 Collections

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Cibra

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1994

🏭 Manufacturing

🌾 Agriculture

🛍️ eCommerce

Manufacturing • Agriculture • eCommerce

Cibra is one of the largest fertilizer companies in Brazil, dedicated to supplying high-quality differentiated fertilizers for various agricultural needs. With a 30-year history, Cibra focuses on innovation and sustainability in the agribusiness sector, offering a comprehensive range of products tailored for crops such as soy, cotton, and corn. The company is committed to corporate social and environmental responsibility, ensuring a positive impact on the community and the planet.

📋 Description

• 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.

🎯 Requirements

• 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.

🏖️ Benefits

• 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