What we do?
Se pueden requerir diversas habilidades interpersonales y experiencia para el siguiente puesto. Por favor, asegúrese de consultar la descripción a continuación con atención.
UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group's pan-European innovation hub.
We are creating ultra-fast and transparent banking with an "all-in-one" application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.
Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.
We are looking for Senior Mortgage Credit Analyst a to join us at this pivotal moment, share our vision, and help shape the future of European banking.
What you will be doing?
As the Senior Mortgage Credit Analyst, you will be the subject matter expert (SME) for the bank's residential mortgage portfolio. You will ensure that every mortgage granted not only meets our risk appetite but also strictly complies with the Spanish Mortgage Law (LCCI). You will be responsible for the quality of the collateral (real estate) and the long‐term sustainability of the retail mortgage book.
1. Credit Underwriting & Solvency Analysis
- In-depth Analysis: Evaluate mortgage applications focusing on DSTI (Debt Service to Income), residual income, and employment stability.
- Complex Profiles: Handle high-net-worth (HNW) or multi-source income applicants that automated scoring systems cannot fully process.
- LCCI Compliance: Ensure the "Assessment of Creditworthiness" is documented according to Bank of Spain standards to avoid future legal claims.
2. Collateral & Valuation Management
- Appraisal Oversight: Review and validate appraisal reports from Sociedades de Tasación (ECO circular). Ensure the LTV (Loan to Value) is calculated on the lower of the purchase price or appraisal value.
- Property Risk: Identify "red flags" in property types (e.G., Viviendas de Protección Oficial - VPO, rustic lands, or properties with legal encumbrances).
3. Regulatory & Legal Execution
- Pre-contractual Documentation: Oversee the correct issuance of FEIN (European Standardised Information Sheet) and FiAE (Standardised Warning Sheet).
- Notary Coordination: Ensure the 10‐day cooling‐off period is respected and that the "Acta Notarial" is correctly processed before signing the mortgage.
- Subrogations & Novations: Define the risk criteria for incoming mortgage transfers from other banks.
4. Risk Monitoring & Strategy
- Provisioning: Assist in the definition of mortgage‐specific LGD (Loss Given Default) parameters based on the Spanish foreclosure timeline.
- Early Warning: Monitor the mortgage portfolio for signs of distress (e.G., first-payment defaults or recurring late payments).
Skills you should have
- Experience: 5+ years in mortgage underwriting within a Spanish financial institution.
- Certification: Mandatory LCCI Certification (Ley de Contratos de Crédito Inmobiliario) for credit assessment.
- Technical Knowledge: Deep understanding of the Spanish Land Registry (Registro de la Propiedad), tax implications (AJD, ITP), and valuation standards.
- Tools: Familiarity with valuation platforms (Tinsa, Sociedad de Tasación, etc.) and credit bureaus.
- Languages: Professional working proficiency in English (to explain portfolio performance and local regulations to Group Risk).
What we offer
We will give you an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience.
Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs.
Health & Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare.
Meal Support: We help fuel your day with meal vouchers.
Our process
We keep our recruiting process simple.
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions.
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment.
Step 3: Meet with Head of Country.
Our note to you
Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.
Please note that we may close a job posting early if we receive a large number of exceptional applications.
Good luck! xqysrnh
About us
Read more about what we do on our LinkedIn profile.