Credit Risk Analyst

Reports To: Senior Manager

Department: Corporate & Investment Banking (CIB)

Location: Viña del Mar, Chile (Hybrid)

Job Summary

Evalueserve is seeking an experienced Credit professional to join our team supporting leading general banking clients. This role focuses on annual credit reviews, portfolio monitoring, borrower risk assessment, and credit underwriting support for commercial and corporate banking portfolios.

The ideal candidate will have hands‑on experience evaluating corporate borrowers, analyzing financial statements, performing credit assessments, and preparing credit recommendations within a banking, lending, credit risk or rating agency environment.

This position is best suited for professionals with direct experience in Corporate Banking, Commercial Banking, Credit Risk, Underwriting, or Portfolio Management.

Key Responsibilities

- Perform annual credit reviews and ongoing portfolio monitoring for commercial and corporate borrowers.
- Analyze financial statements, cash flows, leverage, liquidity, and debt service capacity.
- Complete financial spreading and calculate key credit metrics.




- Assess borrower creditworthiness and recommend risk rating actions.
- Prepare credit review reports and clearly document recommendations.
- Monitor industry trends, borrower performance, and emerging risks.
- Ensure compliance with client credit policies and risk frameworks.
- Support client discussions and mentor junior team members.
- Perform hands‑on financial spreading and calculate key credit metrics.

Required Qualifications

- Bachelor's or Master's degree in Finance, Accounting, Economics, Business, or Commercial Engineering.
- 2-5 years of experience in Commercial Banking, Corporate Banking, Credit Underwriting, Lending Services, Portfolio Management, Annual Credit Reviews (ACRs), or Commercial/Corporate Lending.

Important:

This role is designed for professionals with direct Corporate or Commercial Banking Credit analyst experience.

Candidates whose experience is primarily in general accounting, audit, tax, bookkeeping, treasury, FP&A;, or retail banking operations are unlikely to be a fit.

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📌 Commercial/Corporate Credit Analyst (Viña del Mar)
🏢 Evalueserve
📍 Viña del Mar