Senior Credit Risk Analyst - Real Estate

Riverbank SA; Madrid; Presencial; EUR 70.000 - 95.000; Jornada completa

Descripción de la vacante

RiverBank SA in Madrid is seeking a Senior Credit Risk Analyst to join the Structured Loans Department, focusing on a high-performing portfolio of loans to SMEs and real estate companies across Europe.

Responsibilities include preparing and presenting credit cases, supporting origination and sales teams, negotiating loan terms, reviewing documentation with the legal team, and ongoing borrower monitoring using digital tools.

Formación

• Degree in Finance, Economics or Business Administration.
• 8–10 years of experience in a similar bank/private debt role.
• Knowledge of loan products and/or bonds; Dutch law knowledge a plus.
• Strong analytical, numerical and financial modelling skills.

Responsabilidades

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

Conocimientos

Credit analysis

Financial modelling

Analytical thinking

English & Spanish fluency

Communication skills

Dutch law knowledge

Negotiation skills

Loan products knowledge

Attention to detail

Excel proficiency

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.

Additional InformationRiverBank 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.