Corporate Credit Risk Associate

BBVA; Frankfurt; Vor Ort; EUR 45.000 - 70.000; Vollzeit

Zusammenfassung

An established industry player is seeking a Corporate Credit Risk Associate to join their Frankfurt team. In this pivotal role, you will conduct in-depth credit analysis, assess financial strength, and ensure compliance with risk policies. Your expertise will guide decision-making within the organization and support various units in achieving their objectives. This position offers a dynamic environment where your analytical skills and proactive mindset will be valued. If you're passionate about finance and eager to make an impact in corporate credit risk, this opportunity is for you.

Qualifikationen

• 2+ years of experience in financial services with a focus on credit.
• Strong knowledge of credit processes and financial analysis.

Aufgaben

• Assess credit and financial strength of clients through analysis.
• Prepare and present Financial Programs at Credit Committees.
• Ensure compliance with credit policies and risk appetite.

Kenntnisse

Credit Analysis

Analytical Skills

Communication Skills

Problem-Solving

Ausbildung

Bachelor's degree in Finance

Bachelor's degree in Business Management

Tools

Microsoft Office

Jobbeschreibung

About the area:

The Corporate Credit Risk unit at BBVA Frankfurt 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, monitor the local portfolio, and ensure the safety and soundness of wholesale lending through risk policy management.

About the role:

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

1. Assessing the credit and financial strength of BBVA’s clients by performing fundamental credit analysis of counterparties, using both quantitative and qualitative factors.
2. Preparing, submitting for approval, and presenting Financial Programs at relevant Credit Committees through appropriate discretion processes.
3. Approving utilization of sanctioned limits within your discretion.
4. Ensuring the establishment and effectiveness of credit policies and risk limits, and compliance with risk appetite.
5. Supporting and providing guidance to other units within BBVA.

What are we looking for?

Previous experience and technical knowledge:

• Bachelor's degree in Finance, Business Management, or related fields.
• At least 2 years of demonstrable financial services experience, including credit experience in Banking, Consulting, Credit Risk Management, or equivalent.
• Strong knowledge of Credit Processes.
• Strong analytical skills, including understanding key financial components (liquidity position, leverage profile, etc.) and the ability to form independent opinions on credit, recognizing emerging risks.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• Understanding of banking products and sustainability is desirable.

Languages:

• Fluent in English.
• German and Spanish are highly valuable.

Soft skills:

• Strong interpersonal and verbal communication skills, comfortable communicating with internal and external stakeholders within risk management and other divisions.
• Excellent organization and time management skills, with the ability to work under time pressure.
• Strong problem-solving and decision-making skills.
• Proactive, ethical, client-oriented, and an out-of-the-box thinker.