Credit Officer - Banks Credit, Financial

Bank of America; Andosilla; Presencial; EUR 30.000 - 70.000; Jornada completa

Descripción de la vacante

Bank of America seeks a skilled individual to join its Corporate Credit team in Spain. The role focuses on managing and delivering credit relationships, ensuring compliance with standards and enhancing client relationships through strategic risk management and credit analysis.

Servicios

Competitive retirement plan

Top-up medical plan

24/7 health advice

Community volunteering opportunities

Free access to arts exhibitions

Formación

• Experience in credit risk analysis at a major international institution.
• Strong communication skills and proficiency in Excel.
• Interest in macroeconomic and geopolitical issues.

Responsabilidades

• Perform financial and credit analysis for an assigned portfolio.
• Assess creditworthiness and establish terms to mitigate risk.
• Structure transactions and negotiate credit documentation.

Conocimientos

Credit analysis

Risk management

Communication

Technical knowledge

Educación

Degree in Finance, Accounting, or Economics

Herramientas

Microsoft Office

Descripción del empleo

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. Bank of America believes in the importance of working together and offering flexibility to our employees. Working at Bank of America provides a great career with opportunities to learn, grow, and make an impact, along with the power to make a difference.

Location

Based in the 8th arrondissement within the Parisian Golden Triangle, our beautiful Art-Deco era office features modern workspaces, abundant natural light, and is easily accessible by public transport.

Role Overview

We are seeking to join our Corporate Credit team, part of Global Corporate and Investment Banking (GCIB). The role involves managing and delivering credit relationships for corporate clients in line with our growth strategy, risk appetite, and underwriting standards. GCIB Credit analyzes and delivers credit underwriting, debt financing solutions, and derivative strategies for medium and large corporate clients. GCIB includes Corporate Banking and Investment Banking, while GM encompasses Sales & Trading, mergers and acquisitions advice, capital raising, corporate lending, and risk management services.

Key Responsibilities

• Perform financial and credit analysis, ensuring adherence to credit policies for an assigned portfolio.
• Assess creditworthiness, conduct due diligence, and establish appropriate terms to mitigate risk.
• Structure transactions, underwrite, and negotiate credit documentation.
• Manage portfolio granularity concerning targets for credit and asset quality.
• Establish and maintain internal risk ratings and ensure compliance with audit and regulatory standards.
• Develop relationships with business partners across various banking functions.
• Participate in strategic projects and provide coaching to junior team members.

Qualifications

• Degree in Finance, Accounting, or Economics is beneficial.
• Experience in credit risk analysis at a major international financial institution, with knowledge of EMEA and industry sectors.
• Technical knowledge across lending, trade finance, and derivatives products.
• Strong risk judgment, policy influence, and strategic vision.
• Excellent communication skills and proficiency in Microsoft Office, especially Excel.
• Organizational skills, ability to prioritize, and manage credit risks proactively.
• Interest in macroeconomic and geopolitical issues.
• Fluency in English is required.

Includes a competitive retirement plan, top-up medical plan, 24 / 7 health advice, leave savings options, community volunteering opportunities, and free access to arts exhibitions sponsored by Bank of America in Paris.

The bank selects candidates based on skills, qualifications, and experience.

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