JOB DESCRIPTION

The duties and responsibilities of the position are to be carried out in a manner that is consistent with the goals, values and operating principles of Banco do Brasil Americas, and in conformity with all laws and regulations governing the Bank. Every associate is to read and understand the policies and procedures of their department as well as those of the Bank to ensure smooth operations, satisfactory audits and examinations. Every associate is to conduct business relationships in a manner that will enhance the overall marketing effort of the Bank.

POSITION SUMMARY

The Credit Analyst prepares credit analyses and underwrites commercial, international and consumer transactions as outlined below.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Spread financial statements to pre-screen the viability of the credit proposal

Examines accounting methods and scrutinizes financial statement and accompanying information

Prepare credit presentations which include the following: identify and mitigate risk, identify

sources of repayment, sensitivity analysis, industry data and project analysis

Pull credit reports, OFAC and background checks to evaluate and examine credit references for

consistency with information provided

Analyzes borrowers business methods of operations, operational environment, financial condition

and operating performance to determine borrowers ability to pay on loans

Requests specific information and discusses or resolves issues pertaining to borrowers business,

financial status and credit risk

Confers with Credit Manager to resolve problems with application or missing information

Performs credit underwriting, assess credit risk, complies with the Banks Credit Policy and issues

recommendations about credit proposals to be reviewed by the Credit Manager

Performs credit analyses for annual reviews and credit renewals as required

Assures financial covenants of each transaction are carried out as approved

Maintains continuous efforts to supervise problem credits

Attends to administrative functions of the credit Committee (agenda, minutes and board letters)

when needed

Signs and authorizes credit/trade references when needed

Participates in special projects related to the banks loan portfolio, such as but not limited to legal

lending limit log, Allowances for Loan Losses, etc.

Full knowledge and understanding of bank policies, procedures, regulatory and compliance

requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the

Compliance Division and Information Security Division

Attend and/or complete all required training as assigned

Ensure compliance with all applicable laws, regulations and policies

ADDITIONAL DUTIES AND RESPONSIBILITIES

Assist colleagues with projects or tasks when needed Communicate effectively with other Departments Perform other related duties as required to accomplish the objectives of the position

EDUCATION AND/OR EXPERIENCE

Bachelor's degree (B.A) from qualified college or university

OTHER SKILLS/QUALIFICATIONS

Ability to effectively present information and respond to questions from directors, managers, clients (both internal and external) and the general public

Excellent ability to communicate in English, verbally and in writing; Portuguese and Spanish highly recommended, and in some departments required

Excellent proficiency in various computer software and banking applications

In depth knowledge of all bank policies, procedures and compliance requirements

Knowledge of accounting and financial analyses

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to

interpret an extensive variety of technical instructions in mathematical or diagram form and deal

with several abstract and concrete variables.

Ability to ensure confidentiality, security and safekeeping of bank and customer information

Strong analytical and organizational skills with attention to detail and accuracy

Displays original thinking and creativity; self-starter; generates suggestions for improving work.

Treats others with respect and consideration regardless of their status or position.

Is consistently at work and on time; Ensures work responsibilities are covered when absent

Takes responsibility for own actions; Commits to long hours of work when necessary to reach

goals; ability to multitask

Must be accustomed to professional, business office environment in manner and dress.

Must demonstrate excellent human relations skills with customers and bank associates.

Must be willing to participate as a team member and eager to tackle new assignments.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The individual performs duties in an office environment. He or she maintains frequent contact with supervisors, employees and customers. The noise level in the work environment is usually moderate.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision for desk work and peripheral vision for security.

COMPLIANCE WITH REGULATORY REQUIREMENTS, POLICIES & PROCEDURES

All Associates have a responsibility to understand ALL of the Bank's policies and procedures including the BSA/AML Program, the procedures outlined in it, and to follow the Program and procedures in carrying out their duties.

When an associate has supervisory responsibilities, he or she will make certain that his/her staff understands their responsibilities to comply with all applicable regulatory issues and internal programs, policies and procedures. Any associate that fails to adhere to the Banks programs, policies and procedures or commits other violations of the Code of Ethics may be subject to disciplinary action up to and including termination.

SUBMIT YOUR RESUME TO: hr.bbam@bbamericas.com and Tel. 305-679-3380/3381/3382

The undersigned acknowledges and understands that this is an outline and basic description of expected duties and responsibilities. A copy was provided on the date below. It is understood that this job description is not intended to be an employment contract, nor guarantee of employment, nor interferes with my employment-at-will. Banco do Brasil Americas reserves the right to make necessary revisions to this job description at any time.

In Class Activity Requirements (Individual)

The objectives of the first in class activity are careers in banking services and banking regulation. For this assignment each member of your group is required to summarize either a separate career opportunity available in your group bank or a financial regulation case for your chosen financial institution (your group). For a group of four members you will need four separate summaries of different examples from your group financial institution ideally two career opportunities and two banking regulations.

Here is what you need to do in relation to this assignment:

* Find an article in one of the resources listed on the syllabus (Wall Street Journal, Business Week, Economist and American Banker) or other similar sources discussing a banking regulation case for your group bank.

* Summarize the article and list its association to specific banking regulation e.g., USA Patriot Act, Bank Secrecy Act, Money Laundering Control Act, etc.

* Find a career opportunity posted for your group financial institution. If you cannot locate a job posting for your group bank you can search for available positions in other banks (not listed as group banks) or in industry regulatory authorities. Include a separate summary for each position.

BB AMERICAS Bank