Act as a Retail senior credit analyst in a team of high professional skills, developing analysis and portfolio management best practices and performing consistent credit analysisAchieve targets from Volvo Mission and VisionAchieve targets from VFS Strategic ObjectivesAchieve quantitative and qualitative objectives set for Retail Credit areaAdhere to Volvo policies and guidelinesProfessional Experience :Strong combined credit experience in one or more of the following sectors : Trucks, Bus and/or Construction equipmentc;Banking and credit practices and knowledge of financial products;Credit reports, underwriting, credit bureau analysis and decision recommendation ;More than 5 years underwriting experience;Credit experience on own owner PF and Company entity PJ;It will be a differential experience with captive banks . Key Reponsibilities : Conduct deep and highly specialized credit analysis based on financial and operational information;Gather, review, understand and apply relevant information to credit decision with theory and practical assumptions and concepts;Structure credit requests according to business and customers requirements, keeping in line with credit and risk polices, procedures and strategies;Elaborate, decide and communicate credit decisions in properly time, and in accordance with guidelines of risk and market requirements;Maximize the portfolio value, carefully examining new credit requests;Develop a results-oriented and a continuous improvement working environment;Conduct credit analysis based on overall information including the experience of applicant in the segment, and Financial Statement ig. Balance Statements, Trial balance results Relationship with VFS areas, mainly commercial as well as with OEMs;Ensure compliance with central bank requirements;Provide support with the necessary information for the formalization area issues the appropriate contracts;Attend internal and external audits on underwriting process;Ensure accurate and complete documentation of credit files and recommends credit lines for current and prospective customersAssists in the development and implementation of procedures to minimize risk and improve underwriting qualityIdentify and implement process improvement opportunities in the credit processVisit customers to better evaluate their financial healthy and sustainability; Travel will be necessary;Other projects as assignedMain Competencies and Skills requirements:Financial statements analysis experience is essential; Financial statement analysis includes: ratio analysis, common sizing, review of industry norms, trending, and cash flow analysis High standard of professionalism and integrityEstablished credit underwriting and analytical skills, including familiarity with financial statements, ratio analysis, common sizing, review of industry norms trending, cash flow analysis, credit bureau reports, commercial business reportsExperience interpreting and preparing written summaries of key information. And assessing the potential impact to the borrower is necessaryDemonstrated experience issuing credit decisionsCredit Scoring/scorecards/modeling experience Proven ability to work cross functionally;Must have strong organizational skills, with the ability to prioritize and work effectively on multiple tasks, in a fast paced, demanding environment;Effective decision-making skills;Must have strong people and team skills in order to effectively train and develop future talent and leaders;Excellent computer skills and MS Office 365 experience;Effective written and verbal communication skills and strong interpersonal skills;Well-developed communication skills and ability to develop and maintain good relationship with business areas, OEMs, dealers, and customersDemonstrated ability to focus on team work and creating a positive results oriented working environment in line with our valuesHuman relations competency including the ability to proactively develop a change culture and improvementsAdvanced English speaking, reading and writing skillsCredit experience in all or at least one of following sectors : Trucks, Equipment machine or Bus;Other captive banks experience is a differential Retail and Wholesale analysis
