The Credit Risk Associate will be responsible for analyzing and assessing the credit risk of the Branch’s corporate banking portfolio, contributing to second-line oversight through due diligence, exposure monitoring, and regulatory reporting. The role will also support the implementation of the Branch’s Comprehensive Risk Management framework.

Main responsibilities:

- Analyze credit proposals and annual reviews for corporate customers, including financial statements, cash flows, industry and market conditions, and borrower risk profiles.
- Prepare structured credit reports for presentation to the Credit Approval Committee.
- Identify key risks, assess mitigating factors, and formulate preliminary recommendations in accordance with applicable policies.
- Monitor the assigned portfolio, including covenant compliance, early warning indicators, changes in borrower risk profiles, and waiver requests.
- Maintain complete and updated credit files in accordance with CMF, internal audit, and Bank of China requirements.
- Support the preparation of materials, credit summaries, and minutes for the Credit Approval Committee.
- Participate in risk assessments related to new regulations and maintain updated risk records.
- Prepare credit risk regulatory reports for the CMF and support reports required by Head Office.




- Monitor agreed action plans and remediation measures across departments.

- University degree in Business Administration, Commercial Engineering, Civil Engineering, Accounting, Economics, Finance, or a related field.
- Proven experience in corporate credit risk analysis, preferably within a bank or financial institution.
- Strong knowledge of financial statement analysis, cash flow assessment, repayment capacity, financing structures, and industry analysis.
- Experience or knowledge in portfolio monitoring, covenant compliance, early warning indicators, and credit approval processes.
- Knowledge of Chilean banking regulations and CMF regulatory reporting is desirable.
- Advanced proficiency in Microsoft Excel and financial analysis tools.
- Advanced written and spoken English, with the ability to work effectively in an international banking environment.
- Strong analytical skills, professional judgment, attention to detail, and accuracy.
- Strong communication skills and the ability to prepare and present clear technical reports.
- Ability to collaborate across departments, meet regulatory deadlines, and handle confidential information.
- Availability to work exclusively on-site in Santiago.

#J-18808-Ljbffr

📌 Credit Risk Associate (Providencia)
🏢 Tailor Servicios
📍 Providencia