Aion 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.

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We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate.
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 Senior Mortgage Credit Analyst 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.
- 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.
- Appraisal Oversight: Review and validate appraisal reports from Sociedades de Tasación (ECO circular). Ensure the LTV (

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