Betunel
Betunel
Înființată în 1967, Betunel este un producător și furnizor brazilian de lianți bituminoși și soluții de pavare pentru clienți din infrastructură și industrie. Produsele sale includ asfalt convențional și modificat, emulsii, materiale asfaltice reciclate și lianți industriali. Prin intermediul fabricilor din Brazilia, compania oferă și servicii de pavare și lucrări rutiere, inclusiv asfalt turnat la cald, microfrezare și tratarea suprafețelor, reciclare, construcție, întreținere și reabilitare. Activitatea Betunel se desfășoară în domeniile construcțiilor, logisticii și producției, cu accent pe pavarea drumurilor la scară mare și pe tehnologii specializate pentru îmbrăcămintea rutieră.

Mid-Level Credit Analyst

Assess client credit risk, limits and financial indicators. Betunel distributes petroleum products and manufactures asphalt binders in Brazil.

Descriere

  • Review clients’ financial statements, cash flow, debt, capital structure, liquidity, profitability and cash generation.
  • Evaluate clients’ ability to pay and operational performance, including payment history, contracts and projects, receivables, risk concentration, collateral and total credit exposure.
  • Assess clients’ market position, industries, competitiveness, reliance on public or private contracts, business cycles and sensitivity to economic conditions.
  • Track macroeconomic and industry developments and their effects on clients’ financial capacity and portfolio risk.
  • Set and review credit limits and financing needs based on sales, contracts, pricing, exposure, collateral and risk profiles.
  • Recommend revisions to the Credit Policy.
  • Build, refine and implement credit assessment models, ratings, risk categories and mitigation tools.
  • Create and track risk measures such as receivables aging, concentration, exposure, delinquency and payment behavior.
  • Help automate analyses, strengthen information security and use analytical tools and dashboards.

Cerințe

  • Bachelor’s degree in Accounting, Economics, Production Engineering or a related discipline.
  • Understanding of funding sources such as equity, bank loans, receivables and public contracts.
  • Ability to analyze balance sheets, income statements, cash flow and financial ratios.
  • Knowledge of corporate finance and financial mathematics.
  • Knowledge of credit assessment and risk management methods.
  • Market analysis skills and familiarity with macroeconomic and microeconomic trends.
  • Advanced Excel proficiency.
  • Familiarity with Power BI and analytical dashboard creation.
  • Basic knowledge of laws governing credit, collateral and enforcement.
  • Credit analysis experience, ideally in infrastructure, construction, industrial or B2B services sectors.
  • Experience reviewing financial statements, evaluating risk, interpreting market conditions and monitoring clients.
  • Experience assessing competition, economic conditions and industry trends.

Beneficii

  • SulAmérica medical insurance
  • Amil dental insurance
  • Grocery allowance
  • Meal or food voucher
  • Gympass
  • Profit-sharing bonus
  • Moodar online therapy, twice monthly
  • Transportation allowance
  • Life insurance

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