Mortgage Risk Analyst

Description

Job Summary: Evaluate mortgage loan applications by analyzing customer and real estate risk, ensuring compliance with policies and portfolio sustainability. Key Responsibilities: 1. Customer and real estate risk analysis 2. Ensuring compliance with internal policies and regulations 3. Providing clear and timely assessments for credit decisions A banking-related company is seeking a Mortgage Risk Analyst for a project-based role. Job Objective: Evaluate mortgage loan applications by analyzing the risk associated with the customer and the real estate offered as collateral, ensuring compliance with internal policies, applicable regulations, and the sustainability of the bank's mortgage portfolio. Deliver clear, traceable, and timely assessments to support sound credit decision-making. Conditions: 1\. Compensation: CLP $1,000,000 (net). 2\. Working hours: Monday to Friday, 9:00 AM to 6:00 PM. 3\. Work location: Remote work. 4\. Responsibilities: * Analyze the customer’s financial information and calculate mortgage-specific risk ratios, such as Loan-to-Value (LTV), Debt-to-Income (DTI), and dividend-to-income ratio, in accordance with current policy. * Evaluate the customer’s repayment capacity, debt level, financial behavior, and employment stability. Adopt a holistic view of the customer’s behavior with the bank’s products. * Review and analyze property appraisals, ensuring data consistency, completeness, and alignment with the bank’s appraisal guidelines. * Identify inconsistencies, financial red flags, or risks related to the transaction or real estate. Review basic legal background of the property and transaction (e.g., property type, use, relevant encumbrances), flagging deviations. * Support adherence to mortgage process service-level agreements (SLAs) by identifying root causes of rework and proposing efficiency improvements. 5\. Requirements: * Professional degree in Commercial Engineering, Business Administration Engineering, Auditing and Accounting, or a related field. * 1–3 years of experience in credit risk analysis, mortgage or consumer loan evaluation. * Experience in financial institutions, banks, or savings and loan associations (preferred). * Experience analyzing customers’ financial backgrounds and documentation. * Intermediate proficiency in **Excel**. 6\. Contract under the Temporary Services regime.