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 are creating ultra-fast and transparent banking with an "all-in-one" application and new opportunities for all Clients - individual, business, and corporate. 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.

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. Regulatory & Legal Execution Define the risk criteria for incoming mortgage transfers from other banks. Assist in the definition of mortgage‐specific LGD (Loss Given Default) parameters based on the Spanish foreclosure timeline.

Experience: 5+ years in mortgage underwriting within a Spanish financial institution.

Technical Knowledge: Deep understanding of the Spanish Land Registry (Registro de la Propiedad), tax implications (AJD, ITP), and valuation standards. Professional working proficiency in English (to explain portfolio performance and local regulations to Group Risk). You will get 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.

Versátil Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs. Meal Support:

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