O que faz o ANALISTA FINANCEIRO

Summary

In this video, José Moraes discusses the key responsibilities of a financial analyst, breaking down the roles into junior, mid-level, and senior positions. He explains how experience and deliverables distinguish these levels, with juniors handling tasks like bank reconciliation and receivables, while seniors focus on complex financial analysis, budgeting, and cash flow projections. The video provides insights into the skills required at each stage and offers practical tips for progressing in the financial field. José also invites viewers to join his course for in-depth learning on banking reconciliation.

Takeaways

• 😀 Junior Analysts focus on basic financial tasks such as bank reconciliation, accounts receivable, and accounts payable.
• 😀 Junior Analysts are expected to understand how to compare financial reports with accounting records and resolve discrepancies.
• 😀 A Junior Analyst’s complexity in tasks is directly related to their level of experience and their ability to deliver results.
• 😀 Pleno Analysts handle more complex tasks, such as advanced bank reconciliation and cash flow management.
• 😀 Pleno Analysts are responsible for preparing important financial reports like balance sheets and income statements.
• 😀 Senior Analysts analyze key financial ratios and metrics, such as liquidity and profitability, to assess company performance.
• 😀 Senior Analysts are responsible for budgeting, including capital expenditures (CAPEX) and operational expenses (OPEX).
• 😀 Senior Analysts forecast future cash flows and manage liquidity projections for the company’s financial planning.
• 😀 Senior Analysts act as intermediaries between the finance department and auditors, ensuring smooth communication during audits.
• 😀 Professional growth in the financial analyst role depends on a combination of experience and the ability to deliver complex analyses and reports.

Q & A

What are the key factors that differentiate a Junior, Pleno, and Senior financial analyst?

The key factors that differentiate these roles are experience and delivery. A Junior analyst has less experience and handles simpler tasks, while a Senior analyst has extensive experience and takes on more complex and strategic responsibilities.

What is the main responsibility of a Junior financial analyst?

The primary responsibility of a Junior financial analyst includes tasks like bank reconciliation, accounts receivable, and accounts payable. They ensure that financial records are accurate and payments are processed on time.

Why is bank reconciliation important for a Junior financial analyst?

Bank reconciliation is crucial for Junior analysts because it involves matching the company's financial records with bank statements, identifying discrepancies, and resolving any issues that arise, ensuring financial accuracy.

How does a Pleno financial analyst contribute to the bank reconciliation process?

A Pleno analyst is responsible for resolving more complex issues in bank reconciliation that Junior analysts may not be able to address due to their higher level of experience.

What are some key reports a Pleno financial analyst is responsible for creating?

A Pleno financial analyst creates critical financial reports like Balance Sheets, Profit and Loss Statements, and Cash Flow Statements, all of which are essential for assessing the company's financial health.

Why is cash flow management particularly important for a Pleno financial analyst?

Cash flow management is crucial for a Pleno financial analyst because it directly impacts the company’s liquidity. They are responsible for ensuring the company has enough funds to meet its obligations and planning for future financial needs.

What role does a Senior financial analyst play in analyzing financial ratios?

A Senior financial analyst analyzes key financial ratios, such as liquidity and profitability ratios, to assess the company’s performance and provide insights for decision-making.

What are the responsibilities of a Senior financial analyst in terms of cost analysis?

A Senior financial analyst monitors operational costs, comparing them with budgets and historical expenses to identify trends, variances, and areas for improvement.

How does a Senior financial analyst handle budgeting and forecasting?

A Senior financial analyst is responsible for creating and managing the company’s budgets, both capital (CapEx) and operating (OpEx), and for forecasting future financial needs and cash flows.

What is the role of a Senior financial analyst in interacting with auditors?

A Senior financial analyst acts as an intermediary with auditors, ensuring that the necessary financial reports, documents, and data are provided to facilitate audits.