Job Type: Full-time employee
SV ELÉTRICA is hiring for the position of Credit Analyst - Headquarters
If you are passionate about the financial area, dedicated to analyzing financial data, interpreting market trends, and preparing reports, and if you possess the necessary knowledge, skills, and behavioral traits essential for the role, then this is your opportunity!
Join a dynamic and innovative team where your ideas can make a difference.
This position is for you!
We are seeking a Credit Analysis professional focused on the financial health of organizations to join our team.
If you identify with this profile, this is your chance to shine!
Responsibilities and duties:
* Interpret financial statements such as balance sheets, income statements, and cash flow statements;
* Assess the payment capacity and financial health of clients;
* Knowledge of Financial Products and Credit;
* Clear communication and negotiation skills (presenting credit opinions);
* Understanding different types of credit (personal, business, payroll deduction, etc.);
* Knowledge about guarantees, limits, and deadlines;
* Prioritize analyses within set deadlines and control the volume of proposals and ongoing processes;
* Attention to detail (ability to identify inconsistencies in documents and records);
* Cross-reference financial and historical data to evaluate risks;
* Make decisions based on objective criteria and projected scenarios;
* Reduce risks of fraud or inappropriate approvals.
Requirements and qualifications:
* High school diploma;
* Desirable: Bachelor's degree in Business Administration, Accounting, or related fields (in progress or completed);
* Proficiency in tools like Excel (advanced functions such as VLOOKUP, Pivot Tables, financial formulas);
* Knowledge of credit analysis systems (e.g., Serasa, Boa Vista, Quod);
* Knowledge of Legislation and Compliance (Credit Norms, LGPD, Consumer Defense Code);
* Understanding internal risk and compliance policies.
Skills:
* Ability to communicate effectively with clients and internal departments (sales, legal, collections);
* Organization and time management skills;
* Analytical and critical thinking skills.
Benefits include competitive salary, health plan (without co-participation), meal voucher (Caju Card), life insurance, technical courses, among others.
Working hours: Monday to Friday 8 am to 6 pm, and Saturdays 8 am to 12 pm.
Steps in the selection process include:
1. Behavioral mapping test
2. Interview with HR & Management
SV Elétrica has been operating for 35 years in the electrical and lighting materials market, starting from Fortaleza and now recognized throughout Ceará. We provide customized solutions in electrical materials for both individuals and companies, backed by a team of specialized professionals.
With three units in Fortaleza, one in Maracanaú, Sobral, and Juazeiro do Norte, and over 300 employees, our purpose is to contribute to the development of our clients and team with the best market solutions.
Our core values are respect, ethics, people, quality, transparency, and a sense of ownership.
If you identify with all this and want to be part of Ceará's largest electrical materials company, register now and stay tuned for our opportunities!
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