Analista de Riesgo Hipotecario

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

📋 Description

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

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

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

• Analyze financial information and calculate mortgage risk ratios such as LTV, DTI, and dividend/rent ratio.

• Evaluate the client's repayment capacity, indebtedness, financial behavior, and job stability.

• Incorporate a comprehensive perspective on customer behavior with the Bank's products.

• Review and analyze property appraisals according to the Bank's guidelines.

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

• Review basic legal backgrounds of the property and the operation, highlighting any discrepancies.

• Contribute to meeting the SLA of the mortgage process, identify causes of reprocessing, and propose efficiency improvements.

⛳️ Requirements

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

• Between 1 and 3 years of experience in credit risk analysis, mortgage or consumer credit evaluation.

• Experience in financial institutions, banks, or lending organizations (preferred).

• Experience analyzing financial backgrounds and documentation of clients.

• Intermediate Excel skills.

• University studies / Technical Institute / Professional Training.

• Contract under the regime of Temporary Services.

🏝️ Benefits

• Competitive salary and performance bonuses.

• Opportunities for professional development and training.

• Health and wellness programs.

• Flexible working hours and potential for remote work.