Analista de Riesgo, Hipotecario

This is a fully remote position, open to applicants in Chile.

📋 Description

• Evaluate mortgage credit applications by analyzing the client's risk and the real estate asset offered as collateral.

• Ensure compliance with internal policies, current regulations, and the sustainability of the Bank's mortgage portfolio.

• Provide clear, traceable, and timely assessments to support credit decision-making.

• Analyze the client's financial information and calculate mortgage risk ratios, including LTV, DTI, and the dividend/rent ratio.

• Assess the borrower’s repayment capacity, debt levels, financial behavior, and job stability.

• Incorporate a comprehensive view of the client's behavior with the Bank's products.

• Review and analyze property appraisals, ensuring consistency, integrity, and alignment with the Bank's guidelines.

• Identify inconsistencies, financial alerts, and risks associated with the transaction or the real estate asset.

• Review basic legal documentation of the property and the transaction, including property type, purpose, and relevant encumbrances.

• Contribute to meeting service level agreements (SLAs), identify causes of reprocessing, and propose efficiency improvements.

⛳️ Requirements

• Professional degree in Commercial Engineering, Business Administration, Accounting, or related field.

• 1 to 3 years of experience in credit risk analysis or mortgage credit evaluation.

• Experience in financial institutions, banks, or mortgage companies (desirable).

• Experience analyzing financial backgrounds and client documentation.

• Intermediate Excel skills.

• Analytical profile, not sales-oriented.

• University / I.P. / C.F.T. studies.

• Contract under the Temporary Services regime.

🏝️ Benefits

• Competitive salary.

• Opportunities for professional development.

• Comprehensive benefits package.