Analyst

Description

**At Caja Rural, we are seeking to hire an Analyst eager to grow professionally.** **We are looking for a person interested in the economic\-financial analysis of individuals and companies, oriented toward decision-making and committed to excellence in customer service.** For us, this position is key to our institution’s development, as it serves as a fundamental link between branches and decision-making bodies, providing the necessary analysis and judgment for evaluating operations and managing risk. Their contribution is essential to ensuring rigorous decision-making while maintaining our commitment to customers, service quality, and the values that define Caja Rural. **Main Responsibilities:** * Verify all documentation related to risk operations, including personal or mortgage loans, credit facilities, confirming, guarantees, discount lines, factoring, leasing, among others. * Review documentation for both individuals and legal entities. * Analyze information and summarize it in one or two Excel spreadsheets, depending on the purpose of the operation. * Analyze companies from economic, financial, and asset perspectives, reviewing balance sheets, income statements, financial statements, cash flows, debt levels, solvency, and capacity to generate resources for appropriate risk assessment. * Issue a technical opinion regarding the applicant and proposed operations. * Submit the proposal to the competent sanctioning body according to established attributions. **Technical Competencies:** * Advanced proficiency in office tools (Excel, Word, Access, PowerPoint or similar). * Familiarity with database management. * Advanced knowledge of NUMA is considered a plus. **Requirements** * Bachelor’s degree or equivalent in Business Administration and Management (ADE), Economics, Finance, or related disciplines. **Key Required Competencies** * Advanced knowledge of economic and financial analysis of companies. * **Analytical ability, critical thinking**: interpretation of quantitative and qualitative data concerning applicants. * Ability to identify problems and errors, and to consult and decide effectively on their resolution. * Ability to detect early warning signals. * Effective and clear communication: competence in preparing and presenting risk reports, operational analyses, etc. * Time management and prioritization: ability to manage time efficiently and prioritize tasks effectively. * Teamwork: coordination with other departments to deliver comprehensive solutions to customers. * Adaptability: ability to operate in changing environments and adjust to new regulations and market trends. * Ethics and integrity: high level of responsibility in asset management and confidentiality when handling sensitive information.