**IMI CIB - ISP Banco Multiplo Brasil_Head of Credit Department**:
- Date: Oct 1, 2025
- Location: San Paolo, BR
- Company: Intesa Sanpaolo Brasil SA - Banco Múltiplo
**Scope and Purpose**:
- Manage and coordinate all credit activities of the Bank
- Lead and chair the Credit Committee and the Problem Loan Committee (if applicable)
- Supervise Credit Analysis and Credit Administration teams
- Prepare and analyze credit line proposals, including assessment of financial statements
- Monitor and review client credit limits
- Ensure proper management and filing of credit documentation
- Act as the point of contact for all credit-related issues, including interactions with auditors
- Ensure credit policies and guidelines are continuously updated and properly followed
- Monitor the loan portfolio to ensure credit risk objectives are met
- Manage the internal credit rating system and ensure timely updates of client ratings
**Scope and Purpose**:
- Monitor external credit rating agencies and align internal ratings accordingly
- Manage problem loans in line with ISP guidelines and local regulations
- Ensure quality of credit granted and proper use of approved credit lines
- Ensure compliance with credit policies set by ISP and local regulatory authorities
- Monitor credit portfolio growth and propose risk mitigation measures
- Set and review credit concentration limits and individual exposures monthly
- Promote a strong credit culture and ensure continuous training and updates for the Credit Department
- Update loss evaluation criteria and recommend provisions and write-downs when necessary
- Evaluate waivers and amendments related to credit agreements in coordination with ISP Central Credit Dept.
- Perform other credit-related tasks as requested by Top Management
**Required Experience**:
Experience of 5 to 10 years in the credit department at senior level and more than 3 years in a team leadership position.
**Technical Skills**:
- Microsoft Office
- Oral and written communication for professional interaction with internal departments and external counterparties
- Knowledge of the local credit market
- Financial analysis techniques
- Local banking products
- Loan documentation for secured loans
- Loan documentation for unsecured loans
- Banking regulatory environment in Brazil
- Banking regulatory environment in Italy
- Loan negotiation practices
- Fundamentals of the Brazilian Bankruptcy Law
- Development and updating of credit policies, manuals, and procedures
- Compliance with internal guidelines and local regulatory requirements (BACEN)
- Credit portfolio monitoring
- Credit risk identification
- Proposal of preventive measures in credit management
- Management of non-performing loans
**Required Qualifications, Skills and Knowledge**:
Language Skills:
- Fluent Portuguese
- Fluent English
- Italian is desirable
Specific Knowledge:
- Knowledge of the financial market
- Knowledge of internal policies and procedures in the banking sector
- Knowledge of BACEN regulations
- Knowledge of the Brazilian Bankruptcy Code
Qualifications:
- Completed undergraduate degree
- Master's degree is desirable
**About us**:
Intesa Sanpaolo Brasil S.A. - Banco Múltiplo is a Corporate Bank within the IMI Corporate & Investment Banking Division of the Intesa Sanpaolo Group. It is the only Italian bank with an operational presence in Brazil, providing advanced corporate and investment banking solutions dedicated to the specific needs of companies, financial institutions and public organizations.
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**_We guarantee an inclusive and equal environment. We will consider all applicants regardless of race, religion, sexual orientation, gender identity, marital status, national origin, age, disability, or any other protected category in compliance to D.lgs. 198/2006, 215/03 and 216/03._