Senior Manager, CIB Work Out

Jobtailor; Madrid; Presencial; EUR 90.000 - 150.000; Jornada completa

Descripción de la vacante

Jobtailor in Madrid seeks an accomplished Wholesale Credit Risk Leader to guide a team of risk professionals and drive robust frameworks for corporate lending, trade finance, and capital markets. You will own credit analysis, risk assessment, and portfolio oversight across complex clients, coordinating with front office and legal to structure transactions with proper risk controls.

The ideal candidate has 8–10 years in wholesale credit risk, with 3–5 years in leadership, deep knowledge of Basel

Formación

• Bachelor's degree in Finance, Economics, Business Administration, or related field.
• Master's degree or CFA designation preferred.
• 8–10 years of wholesale credit risk management experience, with 3–5 years in leadership.
• Expertise in corporate credit analysis, financial modeling, and risk assessment methodologies.
• Knowledge of wholesale products: corporate lending, trade finance, capital markets.
• In-depth knowledge of Basel Accords and local banking regulations.
• Excellent analytical, problem-solving, and decision-making skills.
• Proven leadership and team development track record.
• Strong communication and interpersonal skills; ability to explain complex risk concepts.
• Proficiency in risk management software and financial analysis tools.
• Fluency in English; Spanish a plus.

Responsabilidades

• Lead and manage a team of risk professionals, providing guidance, mentorship, and performance evaluations.
• Develop and implement robust wholesale credit risk frameworks, policies, and procedures in line with regulatory requirements and internal risk appetite.
• Conduct in-depth credit analysis of complex corporate and institutional clients, including financial statement analysis, industry trend assessment, and business model evaluation.
• Monitor and manage the wholesale credit portfolio, identifying emerging risks, concentrations, and potential areas of concern.
• Participate in credit committees and present comprehensive risk assessments and recommendations for credit proposals.
• Collaborate with front‑office teams, legal, and other relevant departments to structure and execute complex transactions while ensuring appropriate risk mitigation.
• Oversee the development and maintenance of risk models and tools for wholesale credit assessment and portfolio management.
• Prepare regular risk reports and presentations for senior management and regulatory bodies, highlighting key trends, exposures, and risk management initiatives.
• Stay abreast of industry best practices, regulatory changes, and economic developments impacting wholesale credit risk.
• Drive continuous improvement initiatives within the wholesale risk function, including process optimization and technology enhancements.

Conocimientos

Credit risk analysis

Financial modeling

Leadership

Regulatory knowledge

Risk assessment methodologies

Communication

Regulatory reporting

Decision making

Educación

Bachelor's degree in Finance/Economics/Business

Master's degree or CFA designation

Herramientas

Risk management software

Financial analysis tools

Descripción del empleo

Responsibilities

• Lead and manage a team of risk professionals, providing guidance, mentorship, and performance evaluations.
• Develop and implement robust wholesale credit risk frameworks, policies, and procedures in line with regulatory requirements and internal risk appetite.
• Conduct in-depth credit analysis of complex corporate and institutional clients, including financial statement analysis, industry trend assessment, and business model evaluation.
• Monitor and manage the wholesale credit portfolio, identifying emerging risks, concentrations, and potential areas of concern.
• Participate in credit committees and present comprehensive risk assessments and recommendations for credit proposals.
• Collaborate with front‑office teams, legal, and other relevant departments to structure and execute complex transactions while ensuring appropriate risk mitigation.
• Oversee the development and maintenance of risk models and tools for wholesale credit assessment and portfolio management.
• Prepare regular risk reports and presentations for senior management and regulatory bodies, highlighting key trends, exposures, and risk management initiatives.
• Stay abreast of industry best practices, regulatory changes, and economic developments impacting wholesale credit risk.
• Drive continuous improvement initiatives within the wholesale risk function, including process optimization and technology enhancements.

Requirements

• Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field.
• Master's degree or CFA designation preferred.
• Minimum of 8-10 years of progressive experience in wholesale credit risk management within a financial institution, with at least 3-5 years in a leadership or senior management role.
• Demonstrated expertise in corporate credit analysis, financial modeling, and risk assessment methodologies.
• Strong understanding of various wholesale products and services, including corporate lending, trade finance, and capital markets.
• In‑depth knowledge of relevant banking regulations (e.g., Basel Accords, local regulatory frameworks) and their implications for wholesale risk management.
• Excellent analytical, problem‑solving, and decision‑making skills.
• Proven leadership and team management abilities, with a track record of developing and motivating high‑performing teams.
• Exceptional communication and interpersonal skills, with the ability to effectively articulate complex risk concepts to diverse audiences.
• Proficiency in risk management software and financial analysis tools.
• Fluency in English is required; proficiency in Spanish is a significant advantage.

Core Competencies

Demonstrates expertise in wholesale credit risk management, including corporate credit analysis, financial modeling, and regulatory compliance. Proven leadership in managing teams and driving process improvements within risk functions.