Senior Credit Solutions Analyst

Senior Credit Analyst - Corporate & Large Enterprises Banking

Reports To: Senior Manager

Department: Corporate & Investment Banking (CIB)

Location : Viña del Mar, Chile (Hybrid)

Job Summary

We are seeking a highly analytical and detail-oriented Senior Credit Analyst to join our Corporate & Large Enterprises Banking team. The successful candidate will be responsible for preparing and evaluating corporate credit proposals, analyzing financial and market information, assessing credit risk, and providing recommendations that support sound lending decisions. This role requires close collaboration with Relationship Managers, Credit Risk teams, and corporate clients to ensure efficient credit approval processes while maintaining compliance with internal policies and regulatory requirements.

Key Responsibilities

• Prepare, develop, and support credit proposals for Large Enterprise clients, including new business opportunities, annual reviews, and other financing requests.
• Produce high-quality credit proposals with strong analytical content, accuracy, and professional presentation.
• Ensure compliance with established service standards and response times for both internal stakeholders and external clients.
• Collaborate closely with Relationship Managers and Account Executives throughout the credit evaluation and proposal process.
• Participate in client meetings and visits independently or jointly with commercial banking teams when required.
• Gather, review, and validate all relevant information necessary to conduct comprehensive credit assessments.
• Analyze client financial statements, collateral structures, business conditions, and other relevant factors to evaluate creditworthiness.
• Assess and mitigate risks associated with lending transactions and provide well-founded credit recommendations, including scenarios involving financial projections and uncertainty.
• Ensure credit decisions align with internal credit policies and applicable regulatory requirements.
• Conduct industry and market analysis to identify key success factors and assess the viability of transactions, particularly those supported by projected future cash flows.
• Respond promptly to inquiries from Credit Risk and Approval teams regarding submitted credit proposals.

Required Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, Industrial Engineering, Economics, or a related field.
• Minimum of 3 years of experience in Credit Analysis, Credit Risk, Corporate Banking, or a related financial services role.
• Strong knowledge of banking products and services.
• Proven experience analyzing financial statements and evaluating corporate credit risk.
• Solid understanding of banking regulations, credit policies, and risk management principles.
• Intermediate to advanced English proficiency.