Credit Risk Associate

**Area**:
**Deadline for applying**:
**CUSTOM.FFP**

**Company**:
**Z01**

**What are we looking for?**

Job Specifications

Qualification & Experience

With a minimum of 5 years relevant experience in corporate banking credit risk management within reputable financial institutions.
Familiar with risk assessments of large corporate clients
Degree holder in Business Administration / Finance / Accountancy or its equivalent.
Good understanding of banking products and risk management concepts.

Language

Strong communication skills in English.
Additional languages will be an asset.

Other Skills (e.g. Interpersonal, Communication etc)
Strong analytical and problem-solving skills.
Proven ability to identify and communicate Credit Risk.
Effectively communicate skills to articulate risk issues.
Strong interpersonal and communication skills
Customer-oriented
Able to work in a matrix reporting structure, multi-functional and cross-cultural environment
Well-organized and meticulous in details
Ability to work under pressure
A team player


**Overview**

Job Purpose & Objectives

Responsible for the preparation of credit review and risk assessment analysis of credit proposals for the Bank’s corporate clients.

Maintain credit quality of existing clients as well as prospective corporate clients.

Ensure the Risk Adjusted Return is above the minimum threshold established by the Bank’s directives.

Key Responsibilites

Assist the GRM Asia department to build sound relationships and information flows with the key business stakeholders in Asia Pacific and HQ in Spain.
Provide credit analysis and advices for Corporate & Investment Banking clients.
Conduct credit analysis on prospective and existing clients by performing financial spreads, providing a credit rating assessment and prepare credit proposals.
Assess operations on credit / pricing and ensure minimum RAROEC/RORC threshold requirements.
Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times. Highlight to credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and to undertake necessary steps and follow-up actions recommended in the Loan Review Committee.
Work with internal stakeholders for reports to regulators and auditors. Credito/RaR/Pricing de mercado.8.Calculo de Rating
Implementation and control of internal tools: Workflow, Digital PF, Rating tools etc.
Assist in monitoring policies and procedures.

**Working at BBVA**

BBVA is a global company with over 160 years of history present in 25 countries with over 81 million customers. We are more than 110,000 professionals working in multidisciplinary and diverse teams.

At BBVA, we are ahead of the transformation that is taking place in the banking sector, challenging the status quo, to make life easier to our customers.

Being part of BBVA means developing your career in one of the most innovative companies in finance.

Responsible banking

We're committed to responsible banking to help drive a more inclusive and sustainable society. The future of banking lies in financing the future.

We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritizing innovation and digital transformation so that we can put the opportunities of this new era within everyone's reach.

Diversity

At BBVA we believe having a diverse team makes us a better bank.

For this reason, we actively support diversity, inclusion and equal opportunities regardless race, sex, age, religion, sexual orientation, gender identity or expression. We cultivate a collaborative and inclusive work environment that allows every employee to do their best work.

Our values

Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.

Customer comes first

We think big

We are one team