Job Description

A banking-related company is looking for a Mortgage Risk Evaluator to work on a project.\n\nObjective of the position:\nEvaluate mortgage loan applications by analyzing the risk of the client and the real estate offered as collateral, ensuring compliance with internal policies, current regulations and the sustainability of the Bank's mortgage portfolio. Deliver clear, traceable and timely evaluations that allow correct credit decision-making.\n\nConditions:\n1.Income: $1,000,000 liquid. \n2.Schedule: Monday to Friday from 9:00 a.m. to 6:00 p.m.\n3.Place of work: teleworking. \n4.Functions: \nAnalyze the client's financial information and calculate risk ratios specific to the mortgage product, such as Loan to Value (LTV), Debt to Income (DTI) and dividend/income ratio, in accordance with current policy.\nEvaluate the client's payment capacity, level of indebtedness, financial behavior and job stability. Incorporate a comprehensive view of behavior with Bank products.\nReview and analyze property appraisals, ensuring that the data is consistent, complete and aligned with the Bank's appraisal guidelines.\nIdentify inconsistencies, financial alerts or risks associated with the operation or real estate. Review basic legal history of the property and the operation (type of property, destination, relevant liens), alerting deviations.\nContribute to compliance with the service levels (SLA) of the mortgage process, identifying causes of reprocessing and proposing efficiency improvements.\n5.Requirements:\nProfessional degree in Commercial Engineering, Administration Engineering, Accountant, Auditor or related career.\nBetween 1 and 3 years of experience in credit risk analysis, evaluation of mortgage or consumer loans.\nExperience in financial institutions, banks or mutual insurance companies (desirable).\nExperience analyzing financial background and client documentation.\nIntermediate use of Excel.\n6.Contract under the Temporary services regime.",