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Daniel Pereira

@danielpereira3

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Credit Risk Analyst at Crédito Agrícola assessing borrower risk and monitoring loan portfolios.

Portugal

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At Crédito Agrícola, I assess borrower financial health and identify credit risks, including the potential for default and economic downturns.

I use quantitative and qualitative methods, statistical models, and economic scenarios to evaluate risk and assess potential effects on loan portfolios. I also prepare reports with recommendations on credit requests and monitor existing loans.

Before moving into credit risk analysis, I worked as a Compliance Monitor Assistant at Crédito Agrícola, supporting transaction monitoring, customer due diligence, regulatory compliance, and reporting.

Earlier, I worked in credit assistance, commercial assistance, management and organization analysis, and accounting. My experience includes financial analysis, bank reconciliations, tax obligations, and cost center analysis.

Experience

Work history, roles, and key accomplishments

Current

Analista de risco de crédito

Current

Crédito Agrícola

Jan 2025 - Present (1 year 9 months)

Credit Risk Analyst:
- Identifying potential hazards that could lead to losses or financial difficulties, such as borrower defaults, economic downturns;
- Evaluating severity and likelihood of each identified risk, often using quantitative and qualitative methods;
- Issuing credit risk analysts reports providing recommendations for approving, rejecting, or modifying credit requests;
- Monitoring t

Assistente da conformidade

Crédito Agrícola

Jun 2024 - May 2025 (11 months)

Compliance Monitor Assistant:
- Identifying and overseeing regulatory, compliance, and conduct risks;
- Transaction Monitoring and validation based on investigations, customer due diligence and enhanced due diligence;
- Assist the Compliance Monitor with managing our business policies and processes and ensure they comply with current laws, regulations, and standards;
- Preparing periodic quality r

Assistente de crédito

Crédito Agrícola

Sep 2023 - May 2024 (8 months)

Credit Assistant:
- Review and approve credit proposals;
- Conduct periodic check on customers credit accounts;
- Assist in the review of the bank's credit approval policies and guidelines;

Assistente comercial

Crédito Agrícola

Sep 2022 - Sep 2023 (1 year)

Commercial Assistant:
- Managing client portfolio;
- Identifying sales opportunities and build a solid pipeline;
- Build robust relationship with new and existing customers by having an understanding of customer needs;
- Offer value-added advice and guidance to customers placing their needs at the forefront.

Analista de Gestão e Organização

Estratégia Preponderante - Unipessoal, Lda

Oct 2020 - Sep 2022 (1 year 11 months)

Management and Organization Analyst
- Analytical & Financial Accounting
- Salary Processing
- Bank Reconciliations
- Submission of Tax Obligations (VAT, IRC, Etc.)
- Economic-Financial Analysis
- Business Consulting
- Cost Center Analysis