Wholesale Risk Manager – Corporate Credit Analyst | Real Estate Specialist

BBVA; Paris; On-site; EUR 90,000 - 120,000; Full time

Job summary

BBVA Paris Corporate Credit Risk unit is seeking a seasoned professional to manage credit risk for French corporates, focusing on Real Estate and related sectors. You will analyze credit, monitor financials, and collaborate with bankers to support informed lending decisions.

The role requires a deep financial background, high analytical ability, and fluency in French and English; Spanish knowledge is valued. You will operate in a fast-paced environment with cross-functional teams in Paris.

Qualifications

• Degree in Finance, Economics, Business, Accounting or Engineering from a top school.
• At least 5 years of corporate credit risk management or corporate investment banking experience with a Real Estate specialization.
• Overview of Investment Banking products.
• Understanding financing and sustainability strategies and sectors of major French companies.
• Strong financial background and analytical capabilities; ability to form independent opinions on credit and risks.
• Strong organization and time management; ability to work under time pressure.
• Data management skills (Access, mining and reporting).
• Excellent verbal and written communication in French and/or English; Spanish knowledge is valued.

Responsibilities

• Assist management in performing credit analysis and credit approval.
• Work with bankers to make informed decisions through understanding the credit, structure and profitability features of each client.
• Monitor and produce reports detailing exposures to risk.
• Yearly monitoring of client's financial performance: analysis of financial statements and sector overview.
• Identify risk drivers and evaluate stressed scenarios.
• Assess and analyze risk ratings on an ongoing basis; monitor exposure for assigned clients and ensure compliance with terms and conditions.
• Admission of operations and FP management according to policies and guidelines.
• Ensure timely and accurate submission of credit approval documentation.

Skills

Financial analysis

Credit risk

Real estate knowledge

Investment banking products

Data management

Time management

Team player

Communication skills

French/English fluency

Education

Finance/Economics/Business degree

Master's degree or engineering background

Job description

Excited to grow your career?

BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.

The Corporate Credit Risk unit at BBVA Paris is an integral part of the Global Risk Management - EMEA team.

About the job:

The candidate, among the French Corporates (covering principally Real Estate Sector and other groups), will be in charge of the following tasks:

• Assist management in performing credit analysis and credit approval.
• Work in relationship with the bankers to make informed decisions through an understanding of the credit, structure and profitability features of each client.
• Monitoring and producing reports detailing exposures to risk.
• Yearly monitoring of client's financial performance: analysis of financial statements and sector overview.
• Identification of risk drivers and evaluation of stressed scenarios.
• Assessment and analysis risk ratings on an ongoing and timely basis-Ongoing monitoring of the exposure for assigned clients and ensuring compliance with all terms & conditions.
• Admission of operations and FP management according to the policies and guidelines authorized.
• Ensuring the timely and accurate submission of credit approval documentation.

Qualifications required:

• Degree in Finance, Economics, Business, Accounting or Engineering from a top business or engineering school.
• At least 5 years work experience in corporate credit risk management or corporate investment banking with a with a specialization in Real Estate.
• Overview of Investment Banking products.
• Understand the financing and sustainability strategies and sectors of major French companies.
• Strong financial background, analytical capabilities. Strong analytical skills, including understanding of key financial components (liquidity position, leverage profile, etc.) and the ability to form independent opinions on credit, recognizing emerging risks.
• Strong organization and time management skills. Able to work under time pressure.
• Data management skills (access, mining and reporting).
• Team spirit, enthusiasm, curiosity, flexibility. Able to work under time pressure.
• Excellent verbal and written communication skills in French and/or English. Spanish knowledge is highly valued.

Skills:

Client Orientation, Empathy, Ethics, Innovation, Proactive Thinking