Banco De Talentos Jobs for OPT Students
Banco De Talentos roles in the U.S. are open to F-1 OPT students with authorization to work without employer visa sponsorship. Your OPT EAD card covers employment for up to 12 months, with a 24-month STEM extension available if the role qualifies under your degree field.
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Get Access To All JobsABOUT BCI
Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries.
Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.
JOB SUMMARY
The Credit Administration Specialist assists and supports the VP of Credit Administration with all aspects of portfolio management. The Credit Administration specialist serves as a subject matter expert on current asset collateral, providing regular and ongoing collateral/availability trend analysis, root cause analysis/due diligence, and exception analysis. Individual must be detail oriented and must be able to work under the pressure of deadlines. Individual must also be able to multitask and work independently as well as in a team environment.
DUTIES OF THE POSITION
The duties of the position include, but are not limited to, the following:
- Tracks and gathers required collateral information
- Tracks and analyzes collateral availability and Customer trends and prepares management reports according to established department policies and procedures and legal/regulatory guidelines
- Prompts identification of over-advance situations or collateral discrepancies and escalates appropriately for prompt and accurate resolution
- Refers and validates key loan and collateral terms against important source documentation including the loan agreement, field examination documentation, internal credit approval documentation, and underwriting/credit policy references
- Develop/construct a Borrowing Base Report template specific to particular loan/collateral structures
- Train new hires in the area of credit administration
- Translate all credit presentations and legal contracts as required
- Monitor and control of lines of credit
- Draft committee minutes
- Monitor on an ongoing basis the international credit ratings for risk assets
- Monitor on an ongoing basis the covenants of our credit customers
- Monitor on an ongoing basis collateral control, LTV, insurance, appraisals, taxes
- Monitor any waivers, amendments or changes in the terms and conditions of the loans
- Maintain Relationship Managers aware of renewals and maturities
- Must be able to have the ability to create reports upon request
- Assist in audits
- Preparation, management, and control of electronic customer files and documentation
- Open, delete, and renew credit lines and collaterals on the AS 400 (bank’s core processing system)
- Collaborates with the Relationship Manager in the gathering of clients’ financial information for timely preparation of all underwriting and portfolio servicing assignments, including but not limited to annual loan review and covenant testing
- Ability to understand, speak, read and write English and Spanish
- Effectively speaking before groups of customers or employees
- Assume evolving duties and responsibilities of position
- Work all hours required to fulfill job duties and responsibilities (including weekends, evenings and holidays as needed)
- Travel as required
- Provide coverage for other positions as requested
- Perform additional duties and responsibilities as assigned by management
COMPLIANCE RESPONSIBILITIES
In the performance of their duties, all Bci - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci’s Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member’s employment.
PRE-HIRE REQUIREMENTS FOR THIS POSITION:
COMPUTER:
Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint at intermediate level as well as the ability to operate AS400 preferred, but not required.
Education:
High School Diploma or equivalent required
Bachelor’s degree in Finance or a related field preferred
Experience:
- One to three years of experience is required in a Credit Administration or similar banking/lending role
- Demonstrated knowledge of Asset Based Lending (ABL) products/services and offerings
- Experience in Commercial and Industrial (C&I) lending, particularly those involving owner-occupied Real Estate
- General knowledge of credit & collateral analysis techniques
ABOUT BCI
Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries.
Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law.
JOB SUMMARY
The Credit Administration Specialist assists and supports the VP of Credit Administration with all aspects of portfolio management. The Credit Administration specialist serves as a subject matter expert on current asset collateral, providing regular and ongoing collateral/availability trend analysis, root cause analysis/due diligence, and exception analysis. Individual must be detail oriented and must be able to work under the pressure of deadlines. Individual must also be able to multitask and work independently as well as in a team environment.
DUTIES OF THE POSITION
The duties of the position include, but are not limited to, the following:
- Tracks and gathers required collateral information
- Tracks and analyzes collateral availability and Customer trends and prepares management reports according to established department policies and procedures and legal/regulatory guidelines
- Prompts identification of over-advance situations or collateral discrepancies and escalates appropriately for prompt and accurate resolution
- Refers and validates key loan and collateral terms against important source documentation including the loan agreement, field examination documentation, internal credit approval documentation, and underwriting/credit policy references
- Develop/construct a Borrowing Base Report template specific to particular loan/collateral structures
- Train new hires in the area of credit administration
- Translate all credit presentations and legal contracts as required
- Monitor and control of lines of credit
- Draft committee minutes
- Monitor on an ongoing basis the international credit ratings for risk assets
- Monitor on an ongoing basis the covenants of our credit customers
- Monitor on an ongoing basis collateral control, LTV, insurance, appraisals, taxes
- Monitor any waivers, amendments or changes in the terms and conditions of the loans
- Maintain Relationship Managers aware of renewals and maturities
- Must be able to have the ability to create reports upon request
- Assist in audits
- Preparation, management, and control of electronic customer files and documentation
- Open, delete, and renew credit lines and collaterals on the AS 400 (bank’s core processing system)
- Collaborates with the Relationship Manager in the gathering of clients’ financial information for timely preparation of all underwriting and portfolio servicing assignments, including but not limited to annual loan review and covenant testing
- Ability to understand, speak, read and write English and Spanish
- Effectively speaking before groups of customers or employees
- Assume evolving duties and responsibilities of position
- Work all hours required to fulfill job duties and responsibilities (including weekends, evenings and holidays as needed)
- Travel as required
- Provide coverage for other positions as requested
- Perform additional duties and responsibilities as assigned by management
COMPLIANCE RESPONSIBILITIES
In the performance of their duties, all Bci - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci’s Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member’s employment.
PRE-HIRE REQUIREMENTS FOR THIS POSITION:
COMPUTER:
Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint at intermediate level as well as the ability to operate AS400 preferred, but not required.
Education:
High School Diploma or equivalent required
Bachelor’s degree in Finance or a related field preferred
Experience:
- One to three years of experience is required in a Credit Administration or similar banking/lending role
- Demonstrated knowledge of Asset Based Lending (ABL) products/services and offerings
- Experience in Commercial and Industrial (C&I) lending, particularly those involving owner-occupied Real Estate
- General knowledge of credit & collateral analysis techniques
How to Get Visa Sponsorship in Banco De Talentos
Confirm your OPT end date before applying
Banco De Talentos positions require active OPT authorization throughout employment. Check your EAD expiration date and factor in hiring timelines so you're not caught mid-process with expiring work authorization before an offer is finalized.
Verify your degree field aligns with the role
OPT requires employment directly related to your degree. Review the job description carefully and document how your academic background connects to the Banco De Talentos responsibilities listed, since USCIS may request this evidence if your status is audited.
Start applying at least 60 days before OPT begins
You can legally start working on the start date listed on your EAD, not before. Beginning your Banco De Talentos job search 60 days ahead gives you enough runway to interview, receive an offer, and clear onboarding without authorization gaps.
Ask about STEM OPT extension eligibility early
If Banco De Talentos is an E-Verify employer and your degree is in a STEM-designated field, you may qualify for a 24-month extension. Confirming E-Verify enrollment before accepting an offer prevents surprises when your initial 12 months runs out.
Report your employment to your DSO within 10 days
Once you accept a Banco De Talentos offer, report your employer name, address, and start date to your Designated School Official immediately. Failing to update SEVIS within the required window can jeopardize your OPT authorization and future visa options.
Understand the 90-day unemployment rule
OPT students accumulate unemployment days toward a 90-day limit. If you're between roles while holding OPT, track those days carefully. Securing a Banco De Talentos position before that threshold protects your legal status and keeps your immigration record clean.
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Get Access To All JobsFrequently Asked Questions
Can I work at Banco De Talentos on F-1 OPT without employer visa sponsorship?
Yes. F-1 OPT students are authorized to work in the U.S. using their Employment Authorization Document, so Banco De Talentos does not need to sponsor a visa for you during your OPT period. The employer still needs to verify your work authorization through Form I-9 and, for STEM OPT extensions, must be enrolled in E-Verify.
Does working at Banco De Talentos qualify for the STEM OPT extension?
It depends on two factors: whether your degree is in a STEM-designated field and whether Banco De Talentos is enrolled in E-Verify. If both conditions are met and your role relates directly to your STEM degree, you can apply for a 24-month extension before your initial 12-month OPT expires. Your DSO must file the extension request at least 90 days before your EAD end date.
What happens to my OPT status if Banco De Talentos lays me off?
You enter an unemployment period, and OPT students are allowed a cumulative maximum of 90 days of unemployment across the full OPT window. If your position ends unexpectedly, update your DSO immediately and begin searching for a new qualifying role. Exceeding 90 days of unemployment while on standard OPT, or 150 days on STEM OPT, results in loss of status. Browse open OPT-eligible positions on Migrate Mate to minimize gaps.
How do I document that my Banco De Talentos role is related to my degree?
Write a brief statement connecting your specific job duties to your field of study and save it with your immigration records. Your DSO may ask for this when updating SEVIS, and USCIS can request it during a status review. Cross-referencing the job description against your official transcript and degree program requirements is the most defensible approach.
Can I change to a different role within Banco De Talentos while on OPT?
Yes, but the new role must still be directly related to your degree field. If you change positions, report the updated job title and responsibilities to your DSO within 10 days. A lateral move within the same employer is generally straightforward, but a shift into an unrelated department could put your OPT authorization at risk if it no longer aligns with your academic background.
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