The primary role of the Credit Analyst is to review the financial statements of entities requesting credit from IBM and its operating entities. Upon completion of this analysis the Credit Analyst will set a credit rating and the terms and conditions under which IBM and its operating entities will provide credit. IBM entities supported include Global Financing, GTS, GBS, S&D, Procurement and others. The Credit Analyst received potential transactions with customers from the Sales teams. In addition to the basic financial analysis, a Credit Analyst understands the following about the client; industry risk, sovereign risk, business structure, financing relationships / capital structure and financial risks. The employee focuses on individual/team objectives and development of professional effectiveness.
Professional knowledge related to incumbent’s position, team, and department. Requires ability to absorb professional knowledge quickly and develop skills.
Draw upon professional concepts to collaborate with others to carry out assigned duties. Negotiation is required.
Recognize job-related problems. analyze causes using existing techniques or tools, prepare and recommend solution alternatives. Challenge the validity of given procedures and processes with the intent to enhance and improve.
Works on professional projects;work is often reviewed for developmental purposes.
Understand the standard mission of the professional group and vision in own area of competence. May directly influence people in own project. Position may require coordination of activities of less experienced or less knowledgeable team members.
Impact on Business/Scope:
Accountable for individual or team results. May contribute by supporting activities that are subject to business measurements, impact customer
satisfaction, or impact immediate costs or expenses.
State / Province
RIO DE JANEIRO
City / Township / VillageRIO DE JANEIRO
IBM Business Group
Primary job categoryFinance
Secondary Job Category
Role ( Job Role )Credit Analyst
Required Technical and Professional Expertise
Languages : Spanish and English
Preferred Technical and Professional Experience
– Experience in a credit related or financial related area.
– Organized, finance-driven mind, polygot, communicative, analytical, open minded, responsible, team-building.
Required EducationBachelor’s Degree
Travel RequiredNo Travel
Is this role a commissionable/sales incentive based position?
IBM is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. IBM is also committed to compliance with all fair employment practices regarding citizenship and immigration status.