Evaluador de Riesgo Hipotecario

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

📋 Description

• Evaluate mortgage credit applications by analyzing the risk associated with the client and the real estate offered as collateral.

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

• Provide clear, traceable, and timely evaluations that facilitate informed credit decision-making.

• Analyze the client's financial information and calculate risk ratios specific to mortgage products, such as Loan to Value (LTV), Debt to Income (DTI), and income/dividend ratio.

• Assess the repayment capacity, debt levels, financial behavior, and job stability of the client.

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

• Review and analyze property appraisals, ensuring that the data is consistent, complete, and aligns with the Bank's appraisal guidelines.

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

• Review basic legal documentation of the property and the transaction (type of property, purpose, relevant encumbrances), flagging any deviations.

• Contribute to meeting the service level agreements (SLA) of the mortgage process by identifying causes of rework and proposing efficiency improvements.

⛳️ Requirements

• Professional degree in Commercial Engineering, Administration Engineering, Auditor Accountant, or a related field.

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

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

• Experience analyzing financial backgrounds and documentation of clients.

• Intermediate proficiency in Excel.

🏝️ Benefits

• Telecommuting options available.