Corporate Credit Risk Associate

BBVA; Milano; In loco; EUR 40.000 - 60.000; Tempo pieno

Descrizione del lavoro

A leading global banking institution in Milan seeks a Corporate Credit Risk Associate. In this role, you will assess the financial strength of clients and ensure compliance with credit policies. Ideal candidates should have a bachelor's in finance, at least 3 years of experience in credit analysis, and be fluent in both Spanish and English. Strong analytical skills and proficiency in Microsoft Office are essential. Join a dynamic team dedicated to best-in-class risk management practices.

Competenze

• 3+ years of experience in credit analysis or corporate advisory.
• Strong understanding of key financial components.
• Fluency in Spanish and English.

Mansioni

• Perform fundamental credit analysis of corporate clients.
• Present financial programs to relevant Credit Committees.
• Ensure compliance with credit policies and risk limits.

Conoscenze

Credit analysis

Analytical skills

Verbal communication

Time management

Problem-solving

Client-oriented

Formazione

BA/BSc in Finance or Business Management

Strumenti

Microsoft Office

Descrizione del lavoro

The Corporate Credit Risk unit at BBVA Milano is an integral part of the Global Risk Management – EMEA team. Its main function is to deliver best-in-class credit analysis of corporate clients, monitoring the local portfolio and ensuring the safety and soundness of wholesale lending through risk policy management.

As a Corporate Credit Risk Associate you will be responsible for:

• Assessing the credit and financial strength of BBVA’s clients by performing fundamental credit analysis of counterparties, using both quantitative and qualitative factors.
• Preparation, submission for approval and presentation at relevant Credit Committees of Financial Programs through relevant discretion processes.
• Approving utilization of sanctioned limits within discretion.
• Ensuring the establishment and effectiveness of credit policies and risk limits as well as compliance with risk appetite.
• Supporting and providing guidance to other units within BBVA.

Qualifications:

• BA/BSc Finance or Business Management or any other related subject.
• Demonstrable experience in credit analysis, corporate advisory, credit policies review and regulatory reporting in Banking Groups active in Retail, Private, Corporate segments and Investment Banking of at least 3 years.
• Development of local credit reporting system.
• 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.
• Solid Microsoft Office (Word, Excel, and PowerPoint) skills.
• Understanding of banking products and sustainability issues.
• Spanish and English: fluent.
• Strong inter-personal and verbal communication skills. Should be at ease in communicating with internal and external stakeholders within risk management and other divisions.
• Strong organization and time management skills. Able to work under time pressure.
• Strong problem solving and decision-making skills.
• Proactive, ethical, client-oriented, out-of-the-box thinker.