Senior Credit Risk Analyst

Lead Analyst – Corporate Credit Risk & Portfolio Underwriting
Reports To: Senior ManagerDepartment: Corporate & Investment Banking (CIB)Location: Viña del Mar, Chile (Hybrid)
Job Summary
Evalueserve is seeking an experienced Corporate Credit Risk professional to join our team supporting leading global 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 ResponsibilitiesPerform 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.
Required QualificationsBachelor's or Master's degree in Finance, Accounting, Economics, Business, or Commercial Engineering.5–8+ years of experience in:Corporate Banking Credit RiskCommercial Credit UnderwritingPortfolio ManagementCredit Review / Annual Credit Reviews (ACRs)Lending ServicesStrong experience in financial statement analysis and credit assessment.Experience preparing credit memorandums or credit review reports.Advanced Excel skills.Bilingual fluency in English and Spanish is required for daily client interactions.
Important:This role is designed for professionals with direct Corporate or Commercial Banking Credit Risk 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.