Senior Credit Risk Analyst

Riverbank SA; Madrid; Presencial; EUR 70.000 - 110.000; Jornada completa

Descripción de la vacante

RiverBank SA, based in Madrid, seeks a Senior Credit Risk Analyst to join the Structured Loans Department. You will build and maintain a high-performing loan portfolio for SMEs and real estate across Europe, sourcing deals and presenting credit cases to committees.

The role requires 8–10 years in credit risk, deep knowledge of loan products, strong analytical and modelling capabilities, and fluency in Spanish and English. The ideal candidate thrives in a fast-paced, results-driven environment.

Formación

• Degree in Finance, Economics or Business Administration.
• Minimum 8–10 years of experience in a similar role at a bank or private debt fund.
• Knowledge of loan products and/or bonds and Dutch law.
• Strong analytical and writing skills.
• Excellent numerical and financial modelling skills.
• Good communication skills.
• Fluent in Spanish and English; another language is a plus.

Responsabilidades

• Analyse, prepare and present credit cases to the Credit team and Credit Committee.
• Support and interact with Credit and Sales teams in analysis of new deal opportunities.
• Take an active role in negotiations and borrower relationships.
• Review loan documentation with the legal team.
• Draft term sheets and engagement letters.
• Monitor borrowers to anticipate credit deterioration using digital tools.
• Participate in portfolio and borrower company monitoring.

Conocimientos

Analytical skills

Financial modelling

Communication skills

Bilingual: Spanish/English

Educación

Finance/Economics/Business Administration degree

Descripción del empleo

Company Description

Shape the future of digital banking and grow your career in a dynamic, innovative environment. Work on cutting-edge fintech solutions that directly impact SMEs across Europe. Accelerate your career with continuous learning opportunities, mentorship, and challenging projects. Join a diverse, talented team where collaboration drives success and every voice is valued.

Ready to make a difference? Explore our open positions and join us in transforming business banking.

Job Description

The Senior Credit Risk Analyst will be a key member of the Structured Loans Department, which is dedicated to building and maintaining a strong performing portfolio of loans to SMEs and Real Estate companies across Europe.

Primary Responsibilities

After sourcing of a deal opportunity by Origination team, the Credit team shall:

• Analyse, prepare and present credit cases to the Credit team and to the Credit Committee;
• Support and interact with the Credit and Sales teams in the analysis of new deal opportunities;
• Take an active role and participate in negotiations and in borrower relationships;
• Review loan documentation together with the legal team;
• Draft term sheets and engagement letters;
• Anticipate any credit deterioration through active monitoring of borrowers using digital technology;
• Participate in the portfolio and borrower companies monitoring.

Degree in Finance, Economics or Business Administration;Minimum 8 - 10 years of experience in a similar role at a bank or private debt fund;Knowledge of loan products and/or bonds and Dutchlaw;Strong analytical and writing skills;Excellent numerical and financial modelling skills;Good communication skills;Fluent in Spanish and English (knowledge of an additional language would be an asset);Result-driven;Able to adapt quickly in a fast-moving environment.

RiverBank is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the communities in which we operate and who reflect a variety of backgrounds, talents, perspectives and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing and advancing individuals based on their skills and talents.