Corporate Credit Risk Associate

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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.

The Corporate Credit Risk unit at BBVA Milano is an integral part of the Global Risk Management – EMEA team. Its main function is to deliver best-in-class credit analysis of corporate clients, monitoring the local portfolio and ensuring the safety and soundness of wholesale lending through risk policy management.

About the job:

About the role:

As a Corporate Credit Risk Associate you will be responsible for:

• Assessing the credit and financial strength of BBVA’s clients by performing fundamental credit analysis of counterparties, using both quantitative and qualitative factors.
• Preparation, submission for approval and presentation at relevant Credit Committees of Financial Programs through relevant discretion processes.
• Approving utilization of sanctioned limits within discretion.
• Ensuring the establishment and effectiveness of credit policies and risk limits as well as compliance with risk appetite.
• Supporting and providing guidance to other units within BBVA.

What are we looking for?

Previous experience and technical knowledge:

• BA/BSc Finance or Business Management or any other related subject.
• Demonstrable financial services experience of at least 4 years, including credit experience in Banking, Consulting, Credit Risk Management, or equivalent.
• Strong knowledge of Credit Processes.
• Strong analytical skills, including understanding of key financial components (liquidity position, leverage profile, etc.) and the ability to form independent opinions on credit, recognizing emerging risks.
• Solid Microsoft Office (Word, Excel, and PowerPoint) skills.
• Understanding of banking products and sustainability issues.

Languages:

• Spanish and English: fluent.
• Italian is highly valuable.

Soft-skills:

• Strong inter-personal and verbal communication skills. Should be at ease in communicating with internal and external stakeholders within risk management and other divisions.
• Strong organization and time management skills. Able to work under time pressure.
• Strong problem solving and decision-making skills.
• Highly motivated and proactive individual with ethical values who takes initiative and ownership, eager to contribute and grow within the team, client-oriented, out-of-the-box thinker with strong judgment and emotional intelligence.

Skills:

Companies and Corporations Credit Analysis, Credit Risk Management, Emotional Intelligence, English Language, Industries and Sectors Risk Analysis, Italian Language, Spanish Language, Stress Management, Structured Trade Finance Credit Analysis, Wholesale Rating Systems, Wholesale Risk Portfolios Management

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