Lending Specialist

About the role

Bci provides financial services to individuals and corporations. With more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and has more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.

Responsibilities

• Origination, identification, structuring and underwriting of loans in order to prepare and present credit proposals to Credit Risk and other Committees, both, on an individual basis and in partnership with the Private Client Group.
• Credit analysis and loan proposal preparation and presentation to Credit Risk and other Committees.
• Loan approval and disbursement, portfolio monitoring and repayment, including processing loan advances under lines of credit and loan renewals, amortizations, amendments and loan payoffs.
• Coordination of the loan cycle from origination to booking, loan approval and disbursement, portfolio monitoring and repayment.
• Client meetings with Bankers to discuss terms and conditions, LTVs and all relevant aspects of the credit structure.
• Preparation of loan documentation and legal opinions, including coordination with Bci Chile (Fiscalia), Bci Peru and others as required.
• Continual loan monitoring by preparing and reviewing periodic loan reports, preparation of annual reviews or renewals of loans to be presented to credit committees, taking action to correct past due loans and following up on loan payments.
• Maintenance of current records on each servicer for loans serviced by Bci Miami’s affiliates.
• Providing client service and ensuring timely resolution of client inquiries and complaints related to loans.
• Facilitating cross-training of other employees in these functions.

Requirements

• Education: Bachelor's degree in Business Administration, Finance or equivalent in experience.
• Experience: 7-10 years of relevant experience in loan origination, structuring and credit underwriting in a related financial services role – Private Client, Corporate, Commercial Banking or Corporate Finance.
• Strong knowledge of credit analysis and underwriting, loan structuring and documentation for different types of loans.
• Experience in corporate finance or investment banking preferred.
• Strong knowledge of loan portfolio monitoring, servicing and booking covering all types of loans: consumer, residential, commercial, collateral based loans.
• Extensive PC skills (Word, Excel, Access, Outlook, Internet).
• Experience with Supernova platform or similar loan systems.
• Dynamic, self-motivated, with excellent verbal and written communications skills, ability to interact with all levels of the organization, and lead.
• Strong interpersonal skill including client engagement and, organizational and time management skills.
• Detail oriented, with ability to balance multiple time-sensitive tasks at various levels of completion.
• Accuracy and great follow-up skills are mandatory.
• Able to work in a team environment.