Senior Credit Analyst

Job not on LinkedIn

🕒 June 16

Apply Now

Find Similar Remote Jobs

Receive Emails For Remote Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Echo

WebsiteLinkedInAll Job Openings

1 - 10 employees

Founded 2025

📱 Media

👥 B2C

Media • B2C

Echo is a mobile-first social network focused on music discovery and sharing. It offers iOS and Android apps that let users connect around songs, playlists, and artists, enabling social sharing, curated discovery, and community interaction for music fans.

📋 Description

• Perform credit analysis of counterparties (B2B) for energy commercialization transactions, assessing financial, sectoral and governance risk. • Build, maintain and evolve the internal rating methodology (criteria, scorecards, weights, triggers, overrides and audit trail). • Define and review credit limits, commercial terms (tenor, prepayment, collateral/mitigants) and prepare recommendations for committee approval. • Monitor exposure and concentration by counterparty/economic group, with a consolidated view (root CNPJ, parent companies, guarantors and related parties). • Implement monitoring routines (watchlist) and early-warning indicators: downgrades, relevant events, financial deterioration, news, protests/lawsuits, corporate changes and critical indicators. • Structure and govern credit and counterparty databases: registration, historical ratings, limits, exposures, guarantees and events, ensuring data quality and traceability. • Automate and standardize update routines and reports (Power Query/SQL/Excel), reducing manual effort and improving data reliability. • Develop management reports and dashboards (Excel/Power BI) with risk KPIs: rating migration, limit utilization, concentration, top exposures, aging of reviews, defaults/delinquency (when applicable). • Prepare executive materials and concise opinions for decision forums (credit/risk/board committees), supporting recommendations with data and technical rationale. • Partner with Commercial/Trading/Legal/Treasury teams to support decision-making, suggesting risk mitigants and protective clauses when necessary. • Support the definition and review of credit policies, procedures and governance (authorization matrix, review cadences, documentation and internal controls). • Solid experience with B2B/counterparty credit, economic-financial analysis and limit setting (preferably in energy, commodities, trading, financial services or capital-intensive industries). • Practical experience building/applying internal ratings, score models and risk classification criteria (with governance discipline and documentation). • Strong command of financial statement analysis (Balance Sheet, Income Statement and Cash Flow), capital structure, liquidity, leverage, covenants and quality of cash generation. • Ability to structure data and processes: advanced Excel (pivot tables, functions, modeling), Power Query; SQL for data extraction and processing is a strong plus (Python/R are advantages). • Experience creating reports and dashboards (Power BI desirable), focused on actionable indicators and an executive view. • Capability to consolidate information by economic group (root CNPJ, subsidiaries/affiliates), work with diverse data sources and ensure registry consistency.

🎯 Requirements

• Bachelor's degree in Business Administration, Economics, Accounting, Engineering, Statistics, Mathematics or related fields. • Solid experience in B2B counterparty credit, performing economic-financial analysis, internal rating and limit setting (experience in energy/commercialization, trading, commodities or financial sector is a plus). • Strong command of financial statement analysis (Balance Sheet, Income Statement and Cash Flow), including critical assessment of leverage, liquidity, coverage, capital structure, covenants and quality of cash generation. • Advanced Excel (modeling, pivot tables, Power Pivot is a plus). • Power Query (data cleansing, automations and light ETL). • SQL (queries, joins, data processing and extraction) — strong SQL skills desirable. • Power BI (dashboards and KPIs) — desirable. • Familiarity with ERP/CRM systems and data integration (e.g., SAP, Oracle, Dynamics, Salesforce, etc.) — desirable. • Certifications and courses in Corporate Finance, Credit Analysis, Credit/Counterparty Risk, Valuation or Financial Modeling.

🏖️ Benefits

• Health and Dental plan for you and your family (direct dependents) • Life insurance to protect your present and future • Childcare assistance • Meal and grocery vouchers to recharge your energy • Transportation voucher to commute safely OR • Parking allowance when needed • Wellhub (formerly Gympass) • Profit-sharing • Private pension plan • Platform with learning paths, content and training to drive each talent’s professional development • Go-Fluent language platform