Corporate Credit Risk, Associate / Manager, HK/Shanghai Based

BBVA; Hong Kong; On-site; HKD 800,000 - 1,200,000; Full time

Job summary

BBVA in Hong Kong is seeking a senior credit risk specialist to own risk for Mainland and Hong Kong corporate clients. You will prepare comprehensive credit proposals, conduct robust risk analyses, and collaborate with business units to align with BBVA’s appetite.

You will facilitate the Credit Committee approval process, ensure reviews meet standards and regulatory requirements, and maintain portfolio quality while working with risk counterparts across Spain and local teams.

Qualifications

• Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related discipline.
• CFA/FRM certification desirable.
• Proficiency with corporate financial metrics and risk analysis.
• Strong communication in English and Mandarin; additional languages a plus.
• AI competency in using AI tools for risk management.
• Ability to present data clearly to committees.

Responsibilities

• Prepare comprehensive credit proposals for Mainland and Hong Kong clients.
• Facilitate Credit Committee approval processes.
• Ensure credit reviews meet Bank standards and regulatory requirements.
• Maintain credit portfolio quality and alignment with strategy.
• Collaborate with bankers to set appetite and structure deals.
• Run financial projections to forecast client trajectories.
• Intermediation with risk counterparts in Spain to ensure approvals.
• Monitor early warning signals and escalate as needed.
• Support regulators and auditors with data and responses.

Skills

Financial metrics

Risk analysis

AI tooling

Communication

Agility

Matrix organization

Cross-cultural

English & Mandarin

Spanish a plus

Education

Finance/Economics/Accounting degree

CFA/FRM certification desirable

Job description

• Act as a first line of defense credit risk specialist by taking primary risk ownership, preparing comprehensive credit proposals, and conducting robust risk analysis for Mainland and Hong Kong corporate clients in close collaboration with business units
• Facilitate the Credit Committee approval process
• Ensure the credit review meets the Bank’s standards and the global/local regulatory standards.
• Maintain the credit quality of the portfolio
• Ensure the prospective clients align with the Bank’s strategy and appetite (industry, products, minimum risk return threshold, etc)

Job Specifications

Credit Analysis

• Analyze Financial Statements: Conduct thorough fundamental analysis of financial reports, balance sheets, and cash flows to evaluate counterparty financial health, suitability of financial products and repayment capacity
• Assign Internal Ratings: Evaluate clients using internal risk management tools to determine internal risk ratings, which directly impact bank capital requirements.
• Formulate Risk Recommendations: Draft definitive credit memos (covering new deals, amendments, and annual reviews) and argue credit opinions confidently before the relevant Credit Committees.
• Run Financial Projections: toforecast a client's financial trajectory.
• Collaboration: Partner with Bankers to set the overall appetite in alignment with risk guidelines and Bank’s strategy and partner with product teams to structure deals in alignment with market standards.
• Intermediation: build sound relationship with your risk counterparts and stakeholders in Spain to ensure a good information flows and facilitate approval process

Account monitoring

• Early Warning Flags: Continually monitor client market news and industry shifts, reporting any sign of material financial deterioration to your direct report, the Banker and the relevant Credit Committees
• Escalations: Assess whether a client should be added to internal review list (focus and or watch lists) and reported to the Loan Review Committee
• Official stakeholders: Work with internal stakeholders to fulfill regulators and auditors requests (periodic and ad-hoc)
• Policies and Systems: Assist in monitoring policies and procedures, as well as the accuracy of the data in the internal tools.

Profile and technical competencies

Qualification & Experience

• Education: Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related discipline. Professional certifications like a CFA or FRM are highly desirable.
• Technical Skills: Deep familiarity with corporate financial metrics, risk analysis frameworks, risk management concepts, banking products.
• AI competency: proficiency in using AI tools is highly desirable
• Communication: Clear written and verbal business communication to present complex data synthetically.
• .Professionalism: Ability to remain calm and meticulous under tight deadline pressure before committee dates.
• Agility: Able to work in a matrix reporting structure, multi-functional and cross-cultural environment
• Languages: Strong communication skills in English and Mandarin. Additional languages (e.g. Spanish) will be an asset.
• Values: Customer-oriented, team player and pro-active/curious