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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.
About the job:
Job Purpose & Objectives
Responsible for the preparation of credit review and risk assessment analysis of credit proposals for the Bank’s corporate clients.
Maintain credit quality of existing clients as well as prospective corporate clients.
Ensure the Risk Adjusted Return is above the minimum threshold established by the Bank’s directives.
Key Responsibilities
Assist the Asia CIB Risk department to build sound relationships and information flows with the key business stakeholders in Asia Pacific and HQ in Spain.
Provide credit analysis and advices for Corporate & Investment Banking clients.
Conduct credit analysis on prospective and existing clients by performing financial spreads, providing a credit rating assessment and prepare credit proposals.
Assess operations on credit / pricing and ensure minimum RAROEC/RORC threshold requirements.
Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times. Highlight to credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and to undertake necessary steps and follow-up actions recommended in the Loan Review Committee.
Work with internal stakeholders for reports to regulators and auditors.
Implementation and control of internal tools: Workflow, Digital PF, Rating tools etc.
Assist in monitoring policies and procedures.
Job Specifications
Qualification & Experience
3-5 years relevant experience in corporate banking credit risk management with reputable financial institutions. Seniority will depend on candidate’s experience.
Familiar with risk assessments of large corporate clients
Degree holder in Business Administration / Finance / Accountancy or its equivalent.
Good understanding of banking products and risk management concepts.
Language
Strong communication skills in English.
Asian language and/or Spanish will be an asset.
Other Skills (e.g. Interpersonal, Communication etc)
Strong analytical and problem-solving skills.
Proven ability to identify and communicate Credit Risk.
Effectively communicate skills to articulate risk issues.
Strong interpersonal and communication skills
Customer-oriented
Able to work in a matrix reporting structure, multi-functional and cross-cultural environment
Well-organized and meticulous in details
Ability to work under pressure
A team player
Skills:
Analytical ThinkingSkills Required
- 3-5 years relevant experience in corporate banking credit risk management with reputable financial institutions.
- Familiarity with risk assessments of large corporate clients.
- Degree in Business Administration, Finance, Accountancy or equivalent.
- Good understanding of banking products and risk management concepts.
- Ability to perform financial spreads, provide credit rating assessments and prepare credit proposals.
- Knowledge of and ability to assess RAROEC/RORC and pricing/credit operations.
- Experience implementing and controlling internal tools (Workflow, Digital PF, Rating tools).
- Experience working with regulators and auditors and preparing related reports.
- Strong communication skills in English.
- Asian language and/or Spanish language skills.
- Strong analytical and problem-solving skills and ability to identify and communicate credit risk.
- Ability to work in a matrix, multi-functional, cross-cultural environment; well-organized, meticulous, customer-oriented, team player, able to work under pressure.
What We Do
At BBVA we are leading the transformation of banking worldwide, united in pursuing our goal of bringing the age of opportunity to everyone. Firmly focused on the future, our on-going digital transformation is already producing disruptive innovations that power our vision of banking. Every one of our 112,465 employees, from branch staff to senior leaders, plays an essential role in giving our 85 million customers the cutting edge banking solutions that they deserve. Building on 165 years of history we know the importance of constant development, which is why we place so much confidence in the collaborative working environment that enables our people to grow and excel. If you would like to learn about the culture and opportunities on offer at a company that is leading the way for 21st century banking, head to the ‘Life’ tab to find out more.
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