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Title
Text copied to clipboard!Personal Credit Specialist
Description
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We are looking for a Personal Credit Specialist to join our financial team. The professional will be responsible for analyzing personal credit applications, assessing client profiles, and ensuring the safe and efficient granting of loans. They will work directly in risk analysis, verifying applicants' payment capacity using specific credit evaluation tools and systems. Additionally, they should maintain communication with clients to clarify doubts and monitor credit processes. The specialist will also collaborate with the sales team to offer financial solutions tailored to clients' needs, contributing to the company's sustainable growth. It is essential that the candidate has knowledge of financial products, current legislation, and communication skills to deal with different client profiles. The position requires attention to detail, analytical capacity, and professional ethics to ensure compliance with internal and regulatory standards.
Responsibilities
Text copied to clipboard!- Analyze personal credit applications.
- Assess clients' financial profiles.
- Use credit analysis systems.
- Communicate with clients for clarifications.
- Collaborate with the sales team.
- Ensure compliance with policies and regulations.
- Monitor risks and defaults.
- Prepare analysis reports.
- Stay updated on financial products.
- Participate in training and meetings.
Requirements
Text copied to clipboard!- Degree in Administration, Economics, or related fields.
- Previous experience in credit analysis.
- Knowledge of financial products and legislation.
- Skill in credit analysis systems.
- Good communication and interpersonal skills.
- Analytical ability and attention to detail.
- Ethics and professional responsibility.
- Availability to work in a team.
- Organization and proactivity.
- Knowledge of Excel and digital tools.
Potential interview questions
Text copied to clipboard!- What is your experience with personal credit analysis?
- How do you assess default risk?
- Which tools do you use for financial analysis?
- How do you handle dissatisfied clients?
- Describe a situation where you identified a significant financial risk.
- How do you stay updated on financial legislation?
- What is your approach to teamwork?
- How do you organize your daily tasks?
- Do you have experience with sales targets?
- How do you ensure compliance with internal policies?
