IMI CIB - ISP Banco Multiplo Brasil_Head of Credit Department

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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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