Debt Analyst

Vintti is a strategic staffing agency that enhances the competitiveness of US businesses. By connecting SMBs, startups, and firms with highly skilled Latin American professionals, we offer a cost-effective solution to talent acquisition. Our model allows companies to access top-tier expertise at rates that significantly reduce overhead costs, enabling businesses to allocate resources more efficiently and boost their bottom line.

A Debt Analyst is a financial expert responsible for assessing and managing the debt portfolios of organizations. They conduct thorough analyses of debt agreements, monitor debt performance, and develop strategies to optimize debt structures. Their role includes evaluating credit risks, forecasting future debt trends, and ensuring compliance with financial regulations. By providing insights and recommendations, Debt Analysts help organizations make informed decisions to maintain financial stability and achieve long-term economic goals. This role requires strong analytical skills, attention to detail, and a deep understanding of financial markets and instruments.

- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field
- Minimum of 3-5 years of experience in debt analysis, credit analysis, or related financial roles
- Strong understanding of financial statements and credit reports
- Proficiency in financial modeling and forecasting techniques
- Experience with debt management software and tools
- Excellent analytical and problem-solving skills
- Strong attention to detail and accuracy
- Knowledge of regulatory requirements and industry standards related to debt management
- Proven ability to assess creditworthiness and identify potential risk factors
- Effective communication skills, both written and verbal
- Ability to collaborate with internal and external stakeholders
- Strong organizational and time management skills
- Ability to multitask and manage multiple priorities
- Proficiency in Microsoft Office Suite, particularly Excel
- Experience with market research and analysis
- Capacity to conduct stress testing and scenario analysis
- Familiarity with budgeting and financial forecasting processes
- Ability to prepare detailed and comprehensive reports
- Strong interpersonal skills for effective client and stakeholder interactions
- Ability to maintain confidentiality and handle sensitive financial information
- Willingness to participate in ongoing training and professional development

- Analyze financial statements and credit reports.
- Assess creditworthiness of potential borrowers.
- Monitor existing debt portfolios for risks.
- Recommend mitigation strategies.
- Prepare detailed debt obligation reports.
- Develop and implement debt management strategies.
- Collaborate on debt restructuring proposals.
- Conduct market research on industry trends.
- Utilize financial modeling tools.
- Forecast repayment schedules and defaults.
- Provide updates on debt portfolio performance.
- Review and process loan applications.
- Track and manage debt payment schedules.
- Set up reminders for timely collections.
- Analyze discrepancies in debt financial data.
- Support budget and financial forecasts.
- Conduct stress testing and scenario analysis.
- Ensure compliance with regulatory requirements.
- Communicate with clients and stakeholders.
- Resolve issues related to debt accounts.
- Develop and maintain debt management tools.
- Participate in team meetings and training sessions.

The ideal candidate for the role of Debt Analyst is a highly analytical and detail-oriented professional with a bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field, and 3-5 years of experience in debt analysis or similar financial roles. This individual possesses a robust understanding of financial statements and credit reports, paired with proficiency in financial modeling and forecasting techniques, which enables them to accurately assess creditworthiness and identify potential risks. Their strong problem-solving capabilities and high level of accuracy make them exceptional at analyzing discrepancies in financial data related to debt accounts. Experience with debt management software and tools, as well as a thorough knowledge of regulatory requirements and industry standards, ensures their ability to navigate complex debt portfolios effectively. The candidate's excellent communication skills, both written and verbal, facilitate effective collaboration with internal teams, clients, lenders, and credit rating agencies. With strong organizational and time management skills, they can handle multiple priorities and maintain comprehensive reports. A continuous learning attitude, adaptability, and resilience under pressure set this candidate apart, making them adept at conducting market research, stress testing, and scenario analysis while adhering to compliance and data security guidelines. Their proactive, self-motivated, and innovative mindset drives process improvements and strategic thinking, all while maintaining a high level of ethical standards, confidentiality, and a customer service orientation.

- Analyze financial statements and credit reports to assess the creditworthiness of potential borrowers.
- Monitor existing debt portfolios to identify potential risks and recommend mitigation strategies.
- Prepare detailed reports on the current status of debt obligations and payment schedules.
- Assist in developing and implementing debt management strategies and policies.
- Collaborate with internal teams and external stakeholders to evaluate and negotiate debt restructuring proposals.
- Conduct market research to stay informed about industry trends, regulatory changes, and economic factors affecting borrower credit profiles.
- Utilize financial modeling tools to forecast repayment schedules and potential defaults.
- Provide regular updates and presentations on debt portfolio performance to senior management.
- Review and process loan applications, ensuring all necessary documentation is complete and accurate.
- Track and manage debt payment schedules, including setting up reminders and follow-ups for timely collections.
- Analyze and reconcile discrepancies in financial data related to debt accounts.
- Support the preparation of budget and financial forecasts by providing accurate debt-related information.
- Conduct stress testing and scenario analysis to evaluate the impact of various economic conditions on debtor solvency.
- Ensure compliance with regulatory requirements and internal policies related to debt management.
- Communicate with clients, lenders, and credit rating agencies to handle inquiries and resolve issues related to debt accounts.
- Assist in the development and maintenance of debt management software and tools.
- Participate in team meetings and training sessions to stay updated on best practices and new debt analysis methodologies.

- Highly analytical mindset
- Strong problem-solving capabilities
- Detail-oriented
- High level of accuracy
- Strong ethical standards and integrity
- Excellent communication skills
- Effective collaboration skills
- Ability to work independently and as part of a team
- Strong organizational skills
- Time management proficiency
- Ability to manage multiple tasks and priorities
- Adaptability and flexibility
- Continuous learning attitude
- Resilience under pressure
- Strong interpersonal skills
- Proactive and self-motivated
- Strong numerical aptitude
- Strategic thinking abilities
- Customer service orientation
- Commitment to confidentiality and data security
- Strong technical skills
- Innovative mindset for process improvements

- Competitive salary range based on experience
- Comprehensive health benefits including medical, dental, and vision plans
- Retirement savings plan with company match
- Paid time off (PTO) and holidays
- Flexible work arrangements and remote work options
- Health and wellness programs
- Professional development and training opportunities
- Career advancement pathways
- Tuition reimbursement and educational assistance
- Employee assistance programs (EAP)
- Performance bonuses and incentives
- Life and disability insurance
- Commuter benefits and transportation allowances
- On-site fitness centers or gym membership discounts
- Employee recognition and reward programs
- Casual dress code and collaborative work environment
- Networking opportunities and industry event participation
- Volunteering and community involvement opportunities
- Relaxation spaces and recreational activities at the office
- Employee discount programs and partnerships with local businesses