Job Description
This job is responsible for facilitating parts of credit underwriting and monitoring for new and existing clients.
Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems.
Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank's risk appetite.
Responsibilities
Analyze clients' businesses, their financial statements and due diligence materials
Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes
Perform ongoing monitoring of clients and information flow associated with the portfolio
Partner with experienced Credit Officers and Client Managers to evaluate credit risks, formulate the loan structure, and write the credit approval memo for loan modifications and restructurings.
Understand and apply internal policy, procedures and regulatory requirements
Review various legal documents for relevant credit products




Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.
Required Skills
Bachelor ́s Degree in Finance, Economics, Administration, similar fields.
Graduated December **** or before.
Sound commercial judgment and strong business acumen
Proactive - takes initiative
Strong technical skills, including accounting and modeling in Excel
Strong written and verbal communication skills in English
Capability to build relationship both within the bank and with clients
Demonstrates intellectual curiosity and is focused on continuous learning and skill building
Ability to work independently and manage multiple complex tasks while delivering high quality results
Skills
Credit Documentation Requirements
Credit and Risk Assessment
Critical Thinking
Financial Analysis
Prioritization
Attention to Detail
Business Acumen
Decision Making
Financial Forecasting and Modeling
Written Communications
Analytical Thinking
Client Management
Collateral Management
Recording/Organizing Information
Underwriting
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📌 Credit Underwriting Analyst (Santiago)
🏢 Bank of America
📍 Santiago