Mortgage Credit Analyst (Portugal Market)
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Job Location:
Monthly Salary:
Posted on:
6 hours ago
Vacancies:
1 Vacancy
Job Summary
What we do
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 Groups 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 a Mortgage Credit Analyst (Portugal Market)to join us at this pivotal moment share our vision and help shape the future of European banking.What you will be doing
Join our international team in Poland to help shape the future of digital banking across Europe.
While location of work is based in Poland you will support our Portugese mortgage lending portfolio. The role involves manual underwriting of secured retail products while working closely with cross-border stakeholders.
Key Responsibilities
End-to-End Underwriting: Manually assess residential mortgage applications (purchase and refinancing) evaluating affordability income stability and debt capacity.
Collateral Review: Analyze property valuations LTV ratios and legal documentation specific to the Spanish market.
Risk Decisioning: Approve or decline applications based on internal credit policy and Spanish regulatory requirements.
Portfolio Health: Monitor risk indicators and collaborate with Risk and Legal teams to refine underwriting criteria.
Data & Reporting: Use SQL (BigQuery) to analyze application trends and streamline manual workflows.
Skills you should have
25 years in mortgage underwriting or secured retail lending with exposure to the Portugese mortgage market.
Deep understanding of affordability assessments LTV limits and collateral evaluation.
Proficient in SQL (BigQuery) for reporting and performance analysis.
Familiarity with Spanish mortgage lending practices and consumer protection laws is highly desirable.
Professional fluency in English and Polish is required; Portuguese is a strong advantage.
Degree in Finance Economics or a quantitative field.
What we offer
Unless limited by banking regulations we offer aflexible form of contract.
You will be provided anIndividual Development Budget dedicated to enhancing your professional skills.
If your role permits we also offerflexible work location: home/office according to your preference.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and ahospitalisation package.
We care for our colleagues well being therefore we coverpsychological consultations if you ever feel you need such support.
We co-sponsor your Multisport card and cover50% of its cost.
You will work on computer equipment that delivers the best user experience Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day.
Our process
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
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 youre 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!
About us
Required Experience:
IC
Key Skills
- Microsoft Access
- SQL
- Analysis Skills
- Microsoft Powerpoint
- Securities Law
- Data Mining
- Investment Banking
- Market Research
- Microsoft Excel
- Visual Basic
- Bloomberg
- Data Analysis Skills
