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Asesor De Crédito

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Where
Cuenca, Ecuador
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Your applicationOpen nowAsesor De CréditoExterna Talent Hunters · Cuenca, Ecuador
  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Externa Talent Hunters's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

12.3% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.3%7 days
  4. 19.3%14 days
  5. 35.6%30 days
  6. 58.1%60 days
This job: first seen 5 days ago

The posting

Misión del cargo:

Gestionar y promover la colocación de los productos financieros de la empresa en los mercados definidos, brindando asesoría técnica y personalizada a los socios y clientes para identificar la solución crediticia más adecuada a sus necesidades.

Nivel de instrucción:

Bachiller o Título de Tercer Nivel en Ingeniería Comercial, Economía, finanzas o afines.

Experiencia:

1 a 2 años en cargos similares en el sector financiero.

Lugar de trabajo: Cuenca

Competencias:

- Orientación al Servicio

- Comunicación Efectiva

- Capacidad de Análisis

- Negociación

- Responsabilidad y Confidencialidad

Conocimientos técnicos requeridos.

- Análisis de crédito

- Metodologías crediticias

- Gestión de cobranzas

- Gestión de riesgos financieros y crediticios

- Normativa de la SEPS

Funciones a desempeñar:

- Ejecutar las actividades de promoción, colocación y recuperación de créditos, de acuerdo con las políticas, procedimientos y metas establecidas por la empresa.

- Identificar y evaluar las necesidades crediticias de los socios y potenciales socios, asegurando la correcta aplicación de los productos financieros disponibles.

- Analizar la capacidad de pago y solvencia de los solicitantes, realizando visitas domiciliarias, verificaciones y análisis de riesgo conforme a la normativa vigente.

- Elaborar, revisar y sustentar los informes crediticios, garantizando la veracidad de la información y el cumplimiento de los parámetros técnicos y legales establecidos.

- Realizar seguimiento continuo a la cartera colocada, asegurando el cumplimiento de los cronogramas de pago y aplicando acciones preventivas ante posibles riesgos de mora.

- Ejecutar gestiones de cobranza preventiva y correctiva, a través de visitas, llamadas o acuerdos de pago, de conformidad con las políticas institucionales.

- Mantener actualizada la información de los créditos en los sistemas de gestión y reportar oportunamente los movimientos o alertas relevantes a la jefatura inmediata.

- Entregar diariamente los pagarés y garantías adjuntas de los créditos desembolsados, al Gerente de Agencia.

- Fomentar la fidelización de los socios mediante un servicio basado en la confianza, la asesoría técnica y la atención oportuna de sus requerimientos.

- Cumplir las metas de colocación y recuperación conforme a los indicadores definidos por la empresa.

Sueldo: $700 + comisiones por cumplimiento de metas

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