Senior Corporate Credit Underwriter

BBVA RED EXTERIOR DE OFICINAS; New York (NY); On-site; USD 110,000 - 120,000; Full time

Benefits offered by this job

Discretionary bonus

Job summary

BBVA USA in New York is seeking a Senior Analyst in Global Risk Management with 2-5 years of experience in corporate or investment banking credit risk. The role involves independent underwriting, monitoring portfolio risk, and contributing to complex financing structures under senior guidance.

You will analyze cash flow lenders, leverage, and covenants, review legal docs, and prepare risk memoranda for Credit Committees. A discretionary bonus opportunity is available.

Qualifications

• 2-5 years of progressive experience in credit risk management across corporate/structured/leveraged finance.
• Strong understanding of credit underwriting, financial analysis, and risk assessment across different structures and products.
• Working knowledge of loan documentation, trade finance instruments, and ISDA agreements.
• Demonstrated ability to exercise independent judgment and make sound risk decisions in high-value, complex transactions.
• Excellent communication skills, with the ability to articulate risk positions clearly to senior stakeholders and credit committees.
• Understanding of corporate banking policies, procedures, governance frameworks, and US lending regulations.
• Track record of building effective relationships with internal partners, peers, and external stakeholders.

Responsibilities

• Perform credit analysis and underwriting for corporate clients across a broad range of products.
• Analyze historical and projected financial performance, liquidity, leverage, cash flow generation, and repayment capacity.
• Assist in evaluating transaction structures, collateral packages, covenant frameworks, guarantees, and other protections.
• Review and develop familiarity with legal documentation, including credit agreements, security documents, ISDA agreements, and related documents.
• Prepare clear and well-supported credit memoranda and risk recommendations for senior credit officers and committees.
• Conduct and monitor annual credit reviews, covenant compliance, amendments, waivers, and restructurings.
• Partner with Relationship Managers, Product Specialists, Legal, Operations, and Credit Risk Management to facilitate transaction execution.
• Develop expertise across multiple industry sectors and financing products.

Skills

Credit risk

Financial analysis

ISDA

Loan documentation

Regulatory knowledge

Communication

Relationship management

Education

Bachelor's degree in Finance, Accounting, or related field

Job description

BBVA USA in New York is seeking a Senior Analyst in Global Risk Management with 2-5 years of experience in corporate or investment banking credit risk. The role involves independent underwriting, monitoring portfolio risk, and contributing to complex financing structures under senior guidance.

You will analyze cash flow lenders, leverage, and covenants, review legal docs, and prepare risk memoranda for Credit Committees. A discretionary bonus opportunity is available.