Corporate Credit Risk Analyst
Excited to grow your career?
BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.
Risk CIB UK manages the credit risk for UK Branch. The team is organized by geography. The Area is responsible for the wholesale credit admission, having as main task to preserve the credit quality of the proposals integrating ESG factors to ensure profitable growth.
As part of Corporate & Investment Banking (CIB) the area interacts with global markets, global lending & advisory and transactional businesses for global corporate clients and institutional investors’ requests. In addition, Risk CIB UK has a close contact with corporate credit areas of all the geographies the Group works with. At the same time we are also focusing in some new Mid UK Corporates.
About the job:
Key Responsabilities:
Manage credit risk processes supporting team members from pre-screening and analysis of individual operations to monitoring of approved risks.
Provide credit analysis for Corporate & Investment Banking clients, mainly focused on industrial sectors and diversified corporates.
Conduct credit analysis on prospective and existing clients by establishing and managing financial programs, supporting credit rating assessments and contributing to the preparation of credit proposals.
Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times.
Support the preparation of materials for credit and business committees.
Support to senior team members if there is an event and/or financial position that may materially affect the credit quality of the client and to assist in undertaking necessary steps and follow-up actions recommended.
Lliaising with different internal/external stakeholders linked to the admission and monitoring process
Support the assessment of operations in terms of credit risk and pricing considerations.
Assist in monitoring policies and procedures.
What are we looking for?
Requirements:
Minimum of 1 year of credit risk underwriting experience within a corporate banking environment.
Knowledge of rating tools.
Knowledge of UK and Nordic Corporates.
Comprehension and analysis of financial statements, ratings, profitability, sector guidelines, projections and ESG related aspects.
Experience in corporate credit analysis across industrial sectors.
Knowledge of different products as well as structures (LBOs, FI, Financial Sponsors, Leverage Finance, etc)
Data Analysis and Data Driven management.
Fluent in English (C1) and Spanish (desirable)
Also valuable:
Other languages
ESG knowledge.
Soft-skills:
Excellent communication and presentation skills.
Team building skills.
Ability to work under tight deadlines.
Analytical capabilities with focus on industrial sectors and diversified corporates.
Please note that priority will be given to candidates who are eligible to work in the UK.
Skills:
Client Orientation, Empathy, Ethics, Innovation, Proactive Thinking