ppAion 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. /ppWe are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. /ppOur 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. /ppWe are looking for a bSenior Mortgage Credit Analyst /b to join us at this pivotal moment, share our vision, and help shape the future of European banking. /ph3What you will be doing? /h3pAs 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 bSpanish Mortgage Law (LCCI) /b. You will be responsible for the quality of the collateral (real estate) and the long-term sustainability of the retail mortgage book. /pullibIn-depth Analysis: /b Evaluate mortgage applications focusing on DSTI (Debt Service to Income), residual income, and employment stability. /lilibComplex Profiles: /b Handle high-net-worth (HNW) or multi-source income applicants that automated scoring systems cannot fully process. /lilibLCCI Compliance:



/b Ensure the "Assessment of Creditworthiness" is documented according to Bank of Spain standards to avoid future legal claims. /lilibAppraisal Oversight: /b Review and validate appraisal reports from bSociedades de Tasación /b (ECO circular). Ensure the LTV (Loan to Value) is calculated on the lower of the purchase price or appraisal value. /li /ulh33. Regulatory Legal Execution /h3ullibPre-contractual Documentation: /b Oversee the correct issuance of bFEIN /b (European Standardised Information Sheet) and bFiAE /b (Standardised Warning Sheet). /lilibNotary Coordination: /b Ensure the 10-day cooling‑off period is respected and that the "Acta Notarial" is correctly processed before signing the mortgage. /lilibSubrogations Novations: /b Define the risk criteria for incoming mortgage transfers from other banks. /lilibProvisioning: /b Assist in the definition of mortgage‑specific LGD (Loss Given Default) parameters based on the Spanish foreclosure timeline. /lilibEarly Warning: /b Monitor the mortgage portfolio for signs of distress (e.g., first-payment defaults or recurring late payments). /li /ulh3Skills you should have /h3ullibExperience: /b 5+ years in mortgage underwriting within a Spanish financial institution. /lilibTechnical Knowledge:



/b Deep understanding of the Spanish Land Registry (bRegistro de la Propiedad /b), tax implications (AJD, ITP), and valuation standards. /lilibLanguages: /b Professional working proficiency in bEnglish /b (to explain portfolio performance and local regulations to Group Risk). /li /ulh3What we offer /h3pYou will get an opportunity to work in an binnovative, digital bank /b applying state of the art approaches and technologies. /ppWe provide our team members with Apple MacBooks to ensure a seamless work and superior user experience. /ppFlexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs. /ppHealth Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare. /ppMeal Support: We help fuel your day with meal vouchers. /ph3Our process /h3pWe keep our recruiting process simple. /ph3Step 1: /h3pTalk with one of our Recruiters about your to date experiences and ambitions. /ph3Step 2: /h3pMeet with your future Team Manager to deep dive on the role specifics and our work environment. /ph3Step 3: /h3pMeet with Head of Country. /ph3Our note to you /h3pDiverse 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. /ppPlease note that we may close a job posting early if we receive a large number of exceptional applications. /p /p #J-18808-Ljbffr

📌 Senior Mortgage Credit Analyst (LCCI Expert) (Madrid)
🏢 Aion Bank (UniCredit Group)
📍 Madrid