Corporate Credit Risk Analyst

Risk CIB UK – Credit Risk (Corporate & Investment Banking)

BBVA is a global company with more than 160 years of history, operating in more than 25 countries and serving more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams across finance, legal, data science, development, engineering, and design.

Risk CIB UK manages the credit risk for the UK Branch. The team is organized by geography. The Area is responsible for wholesale credit admission, with the main goal of preserving the credit quality of proposals by integrating ESG factors to ensure profitable growth.

Within Corporate & Investment Banking (CIB), the Area interacts with global markets, global lending and advisory, and transactional businesses supporting global corporate clients and institutional investors’ requests. Risk CIB UK also works closely with corporate credit areas across the Group’s geographies, with a focus on some new Mid UK corporates.

About the Job

Key Responsibilities

• Manage credit risk processes, supporting team members from pre-screening and analysis of individual operations through 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 continuously following clients’ financial evolution and credit exposure.
• Support the preparation of materials for credit and business committees.
• Support senior team members when events and/or changes in a client’s financial position may materially affect credit quality, including assisting with required steps and recommended follow-up actions.
• Liaise with internal and external stakeholders involved in the admission and monitoring process.
• Support the assessment of operations in terms of credit risk and pricing considerations.
• Assist in monitoring credit risk policies and procedures.

What We Are 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 and structures (e.g., LBOs, FI, Financial Sponsors, Leverage Finance, etc.).
• Data analysis and data-driven management.
• Fluent in English (C1); Spanish is 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.

Skills: Client Orientation, Empathy, Ethics, Innovation, Proactive Thinking