Analista Sênior de Risco de Crédito
GM Financial · São Paulo, São Paulo, Brazil
**Job Description** The commercial lending risk analyst is responsible for analyzing financial statements, credit data and internal information to determine a risk rating and a recommendation to establish a new credit facility or to renew the customer’s current credit lines. Through a credit review, the analyst will document and submit their assessment for approval to Risk/Operations as required. **Responsibilities** The commercial lending risk analyst is responsible for analyzing financial statements, credit data and internal information to determine a risk rating and a recommendation to establish a new credit facility or to renew the customer’s current credit lines. Through a credit review, the analyst will document and submit their assessment for approval to Risk/Operations as required. Underwriter must be able to work with other departments, office branches, and/or end\-customer to effectively complete the assessment and obtain the approval/rejection. Must quickly understand and adhere to established policies and procedures. **Qualifications** * Underwriting experience with Commercial credit analysis (e.g. financial statements, income statements, cash flow and other financial analysis); * Degree level educated in Business Administration, Economy, Engineer or Accountancy; * Fluent in English verbal and written – other languages advantageous; * Knowledge of financial statements and risk indicators; * Ensure understanding of credit policies and procedures established; * Highly self\-motivated and able to work well under pressure; * Analytical mind\-set, business results\-oriented, ethical and high integrity; * Ability to effectively prioritize and execute tasks; * Good planning and organizational skills; * Excellent verbal and written communication skills; * Ideally knowledge of the car financing sector/market (this is a plus); * High analytical capacity and problem solving ability; * General knowledge of Microsoft Office tools (Excel, PowerPoint, Word) to work with regular spreadsheets, word documents and presentations. **About Us** \[PlaceHolder] **About The Team** \[PLACEHOLDER]