*general description*
analysis of the quality insured loans ( morgtage insurance) and to be insured according to the guidelines defined by the risk area
analysis of the loans files and the quality of the information previous to the insurance.
*specific description*
- review the quality of the mortgage portfolio already insured or to be insured, by identifying risks in the origination process. Review the collection process of insured loans.
- verify the calculations of the credit: the loan to value (ltv), the income monthly proof, the payment capacity and the debts capacity, according to the policies specified in the master policy.
- identify possible fraud in the origination of the credits.
- in the collection audits, analyze and evaluate the judicial collection files, verifying the quality and truthfulness of the information contained in the collection reports per client, verifying the judicial actions of the documents to determine the progress and the periods according to the stage legal where they are.
- review of the claims process times (sla), comply with the payment times established in the master policy.
- support the claim analysis, if necessary, to determine the source of the payment, validating the basic documentation of the claim and origination (in the case that a file review is applied according to the claims policy), performing the calculation into the claim system and considering the payment history submitted.
- identify and propose improvements to the audit review process, as well as the simplification of the reports issued and if necessary, prepare crs implementing the improvements and efficiencies that are identified in the audit systems.
- integrate the audit results for review with risk área.
- follow-up of delivery pending and cure of the audit with clients.
- prepare reports of findings for internal review and with clients.
- perform collection audits, analyzing the evidence of judicial status
*professional experience requirements*
experience in mortgage credit analysis 5 years
experience in administrative and judicial collection (desirable ) 2 years
*technical skills*
detailed knowledge of the technical concepts of calculating mortgage credit 5 years
detailed knowledge in documents, credit policies and income verification 5 years
credit analysis experience 5 years
knowledge of collection processes and documents 2 years
knowledge in fraud identification 2 years
*other skills*
teamwork
excellent communication
organization at work
focused on results
analysis capacity
works under pressure
availability to travel
have commitment and excellent attitude
*academic level requirements*:professional studies in administration, accountant or similar
*language*: english advanced
office medium
excel *advanced*
outlook *advanced*
power point advanced
word advanced