Credit Risk Specialist

BBVA; Schweiz; On-site; CHF 140,000 - 190,000; Full time

Job summary

BBVA Switzerland invites applications for an independent credit risk expert overseeing the Lombard lending portfolio, including loans, facilities and guarantees secured by assets. The role assesses and structures credit proposals, sets collateral and lending parameters, and ensures alignment with risk appetite and regulatory standards.

The ideal candidate has a degree in Business/Economics, at least 5 years in risk control, and fluency in Spanish and English, with strong analytical and

Qualifications

• Degree in Business/Economics or equivalent Master’s with numerical/analytical focus.
• Deep understanding of credit analysis methodologies.
• Collateral management and margining knowledge.
• At least 5 years of risk control experience.
• Strong analytical, data interpretation and problem-solving skills.
• Fluent in Spanish and English.

Responsibilities

• Prepare, review and control credit operations.
• Present credit proposals to credit committee for higher-risk transactions.
• Monitor Lombard lending positions and identify risks.
• Submit risk reports to BBVA headquarters.
• Advise Relationship Managers on Lombard operations and risk.
• Coordinate with Legal to issue guarantees and SBLCs.

Skills

Analytical Thinking

Credit Proposals

Credit Risks

Detail‑Oriented

English Language

Spanish Language

Teamwork

Prioritization

Risk Reporting

Education

Bachelor's/Master's in Business/ Economics or equivalent

Tools

MS Office (Excel)

Job description

Company culture

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. At BBVA we are leading the transformation of banking worldwide, united in pursuing our goal of supporting your drive to go further. Firmly focused on the future, our on-going digital transformation is already producing disruptive innovations that power our vision of banking. Building on 160 years of history we know the importance of constant development, which is why we place so much confidence in the collaborative working environment that enables our people to grow and excel. For over 50 years, BBVA in Switzerland has been helping clients manage their wealth with a global outlook, Swiss precision, and a philosophy that blends tradition with innovation. From Zurich to the world, we provide tailored solutions for those who value both strategy and trust. Yet, our greatest strength lies in our people: an international, diverse, and highly skilled team that combines financial expertise with a digital mindset and innovative spirit. Continuous learning, cross-cultural collaboration, and career growth that makes a real impact in our clients’ lives drive everything we do, shaping both the way we work and the opportunities we create for our team. Joining BBVA in Switzerland means being part of a global bank, working on pioneering projects in private and digital banking, and growing within a culture that listens, evolves, and strives to make a difference. BBVA is a Spanish bank with its Swiss offices located in Zürich.

About the job:

Provide independent credit risk expertise and end-to-end oversight of the Lombard lending portfolio, including loans, credit facilities and guarantees secured by assets held with the bank. The role is responsible for assessing and structuring credit proposals, establishing appropriate collateral and lending parameters, monitoring exposures and margin requirements, and ensuring that credit decisions remain aligned with the bank’s risk appetite, policies and regulatory standards.

Functions (duties and responsibilities):

• Prepare, review and control credit operations.
• Prepare and present credit proposals for higher-risk transactions to the relevant credit committee.
• Continuously monitor Lombard lending positions, identify emerging risks and resolve issues promptly to prevent or minimize losses.
• Prepare and submit risk reports to BBVA headquarters.
• Advise and train Relationship Managers on Lombard credit operations, requirements and risk considerations.
• Analyze financial products and assign, review and update their lending values.
• Manage credit-related accounting and operational entries across Avaloq, SWIFT applications and other internal systems.
• Coordinate with Relationship Managers and Legal to issue guarantees and standby letters of credit (SBLCs).

Your profile

• Degree in Business/Economics or equivalent Master’s degree, post-graduate studies or equivalent higher education in numerical/analytical fields.
• Deep understanding of Know-how in Credit analysis methodologies.
• Collateral management, Margining frameworks, Portfolio risk management, Counterparty risk assessment…
• At least 5 years of work experience in Risk control functions.
• Organizational skills and the ability to manage tasks simultaneously.
• Analytical and research skills and ability to review and interpret large amounts of data.
• Ability to synthesize key issues and themes.
• Outstanding analytical, comprehension and problem-solving skills.
• Excellent attention to detail and high level of accuracy.
• Ability to challenge business proposals constructively.
• Motivated, flexible and team work.
• Proficient knowledge of the MS Office package (especially excel).
• Fluent in Spanish and English.

Skills

• Analytical Thinking
• Credit Proposals
• Credit Risks
• Detail‑Oriented
• English Language
• Prioritization
• Risk Reporting
• Spanish Language
• Teamwork

We are more than 121,000 colleagues across 25 countries, working in multidisciplinary teams where we understand the importance of work-life balance. We support our clients in the energy transition and are committed to inclusive growth. We are pioneers in adopting disruptive technologies that will shape the financial industry. Dare to define the future of banking!