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.