Credit Analyst – Mid-level

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Arco Educação

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1001 - 5000 employés

Arco est une entreprise brésilienne spécialisée dans les solutions éducatives pour l'enseignement de base qui développe du contenu, de la technologie et des services pour plus de 3 millions d'élèves et près de 9 000 écoles privées à travers tout le pays, couvrant les segments de l'éducation de la maternelle au lycée. Allier éducation d'excellence et gestion efficace est l'objectif d'Arco.

Description

• Analyze and determine risk opinions for credit requests within the approval channel • Analyze internal (Isaac) and external (market) data • Evaluate cash flows, income statements, balance sheets, leverage and collateral using IRPF/IRPJ, SCR and credit bureaus (Serasa, Boa Vista and Quod) • Design covenant structures with schools and ensure visibility for the monitoring team • Identify tools to continuously improve the analysis • Optimize the decision-making process by integrating the policies and commercial teams • Support the preparation of materials for client meetings when necessary • Provide feedback to the policies team with learnings and opportunities to improve filters • Record the history of analyses to ensure tracking of the credit desk's performance

🎯 Exigences

• Previous experience in credit analysis, financial risk or related areas • Knowledge of SQL for querying internal databases and performing analyses • Ability to build financial projections • Capability to structure robust analyses integrating internal and external data • Technical aptitude for analyzing financial statements and credit bureau reports • Willingness to learn about the credit and collections ecosystem • Interest in staying up to date with financial market trends

🏖️ Avantages

• Meal allowance and/or meal voucher • Health and dental insurance • Transportation allowance • Enhanced maternity and paternity leave • Childcare assistance • Health support: partnerships with Wellhub and Zenklub • Education incentives • Discounts on airline tickets • Partnership for pet health insurance • Access to Arco educational materials for employees' children • Partnerships for MBA and postgraduate programs