Credit & Securitization (C&S) Analyst / Associate Director

BTG Pactual; Madrid; On-site; EUR 60,000 - 90,000; Full time

Job summary

BTG Pactual Europe S.A. in Madrid seeks a credit professional to analyze companies and industries, support financing transactions, and monitor credit facilities for corporate clients across Iberia and Europe.

You will prepare proposals for senior management, participate in credit approvals, and manage ongoing credit portfolio performance with strong analytical and communication skills. This role requires higher education in Finance or related fields, 3–10 years of experience, and fluency in

Qualifications

• Completed higher education in a relevant field (Engineering, Finance, Economics, or Business Administration).
• Strong analytical capacity and attention to detail.
• Excellent communication and relationship-building abilities.
• Fluency in English and Spanish; Portuguese is a plus.

Responsibilities

• Participate in analysis, structuring, approval, and execution of credit transactions with corporate clients across Iberia and Europe.
• Analyze financial statements, cash flows, and operating performance to support pricing, structuring, and approval of credits.
• Prepare committee materials and engage in negotiations; coordinate funding and disbursement activities; monitor and manage credit portfolios.
• Provide management reporting on portfolio exposure, performance, and budget monitoring.

Skills

Analytical thinking

Communication skills

Relationship-building

Proactive learner

Attention to detail

Education

Higher education in Engineering/Finance/Economics/Business Administration

Tools

MS Office

Job description

About Btg Pactual

BTG Pactual Europe S.A. is part of BTG Pactual Group, the largest investment bank in Latin America, delivering specialized services in Wealth Management, Asset Management, Investment Banking, Corporate Lending and Sales & Trading. Since its creation in 1983, BTG Pactual Group has adopted a meritocratic partnership culture, with a focus on its customers, excellence and a long‑term vision. BTG Pactual currently employs over 12,000 people in offices across Brazil, United States, Luxembourg, UK, Portugal, Spain, Mexico, Colombia, Chile, Peru, Argentina and Uruguay. Our group combines a solid balance sheet, state‑of‑the‑art technology and is ready to offer a global advisory service to protect and grow your wealth.

BTG Pactual Europe is a Luxembourg‑based credit institution, regulated by the Commission de Surveillance du Secteur Financier (CSSF). The Madrid office operates as a branch of BTG Pactual Europe. The bank places particular emphasis on serving European clients who maintain financial or economic connections with Latin America. For more information visit www.btgpactual.com.

The Role

The successful candidate will be responsible for conducting financial analysis of companies and industries, supporting the structuring and execution of financing transactions, presenting proposals for approval to senior management, and overseeing the disbursement and ongoing monitoring of credit facilities for corporate lending clients across Iberia and Europe. The role also involves active credit portfolio management and performance monitoring.

Roles and Responsibilities

• Participate in the analysis, structuring, approval, and execution of credit transactions, including direct interaction and meetings with corporate clients.
• Perform industry and company analysis, including the assessment of financial statements, cash flow forecasts, and operating performance, to support the pricing, structuring, and approval of credit transactions.
• Support the credit approval process through the preparation of committee materials, participation in contractual negotiations, coordination of funding and disbursement activities, and collaboration with internal support functions.
• Monitor the performance of the credit portfolio, including the review of borrower financial results, compliance with financial covenants and collateral requirements, and the resolution of outstanding issues.
• Prepare management reports and presentations covering portfolio exposure, performance analysis, business results, and budget monitoring.

What We Expect From You

• Completed higher education, preferably in Engineering, Finance, Economics, or Business Administration.
• Previous working experience; 3-10 years in a credit analysis and/or structuring role, or other equivalent positions strongly preferred.
• High analytical capacity.
• Highly motivated, with strong attention to detail, communication skills, relationship‑building abilities, and a proactive approach to learning.
• Advanced proficiency in MS Office suite.
• Fluency in English & Spanish; Portuguese considered an asset.

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