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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.



Risk CIB UK is the strategic unit responsible for managing credit risk for the BBVA United Kingdom Branch. We act as a critical partner within Corporate & Investment Banking (CIB), ensuring sustainable and profitable growth by overseeing wholesale credit admission for global corporate clients and institutional investors.



Our team is dynamic and internationally connected, collaborating daily with Global Markets, Global Lending & Advisory, and Transactional units across BBVA's global footprint. We are currently expanding our reach into the UK Mid-Corporate segment, integrating ESG factors into our core risk assessment to lead the transition towards a more sustainable financial future.




About the job:




Job Description:



As a Corporate Credit Risk Associate, you will play a key role in protecting the Group's credit quality while enabling business opportunities. You won't just analyze numbers; you will provide strategic risk advice, support complex deal structures, and interact with diverse global stakeholders. This role offers a unique 360-degree view of the credit lifecycle, from initial pre-screening and rating assessment to portfolio monitoring and committee presentation.




Your main responsibilities will include:

• Strategic Analysis: Performing deep-dive credit assessments for CIB clients, with a focus on industrial sectors and diversified corporates.


• End-to-End Management: Supporting the full credit process, including financial programming, rating assessments, and the preparation of high-impact credit proposals.


• Portfolio Stewardship: Proactively monitoring the financial evolution of our portfolio to early identify risks and opportunities.


• Decision Support: Crafting high-quality materials for Credit and Business Committees, providing insights that shape our lending decisions.


• Collaborative Liaison: Acting as a bridge between internal units (Business, Risks, Legal) and external stakeholders to ensure a seamless admission and monitoring process.


• Risk Advocacy: Identifying material events affecting client credit quality and assisting senior management in executing recommendations from the Loan Review Committee.

Mandatory Requirements:

• Specific Technical Knowledge: Deep understanding of financial statement analysis and credit risk metrics. Familiarity with the UK corporate landscape, specifically within Industrial and Diversified sectors.


• Experience: Solid professional experience in credit risk analysis or corporate banking, preferably within a CIB or wholesale banking environment.


• Academic Background: University Degree in Finance, Economics, Business Administration, or a related quantitative field.


• Languages: Full professional proficiency in English (C1/C2).


• Personal Skills: Impactful Communication: Ability to present complex financial data clearly and persuasively.
  
  
  
  
  • Priority Management: Excellence in delivering high-quality work in dynamic environments while maintaining focus on results.
  
  
  • Collaborative Mindset: A natural team player who thrives in multicultural and cross-functional settings.
  
  

Nice to have:

• Familiarity with ESG integration in credit risk frameworks.


• Direct experience in the UK Mid-Corporate market segment.


• Advanced proficiency in data visualization tools (e.g., PowerBI or Tableau) for risk monitoring.


• Knowledge of Spanish is a plus due to the Group's global footprint.

Please note that priority will be given to candidates who are eligible to work in the UK.




Skills:



Customer Targeting, Empathy, Ethics, Innovation, Proactive Thinking