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.

Credit GRM UK manages the credit risk for UK Branch. The team is organized by geography. The Area is responsible for the wholesale credit admission, having as main task to preserve the credit quality of the proposals integrating ESG factors to
ensure profitable growth.

As part of Corporate & Investment Banking (CIB) the area interacts with global markets, global lending & advisory and transactional businesses for global corporate clients and institutional investors’ requests. In addition, Credit GRM UK has a close contact with corporate credit areas of all the geographies the Group works with. At the same time we are also focusing in some new Mid UK Corporates.

About the job:

About the role:

Manage end-to-end processes from pre-screening and admission of individual operations to the extinction of approved risks.
Provide credit analysis and risk advices for Corporate & Investment Banking clients, with special focus, but not limited to, Real Estate companies.
Conduct credit analysis on prospective and existing clients by establishing and managing financial programs, providing a credit rating assessment and prepare credit proposals.
Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times.
Participation in credit and business committees.
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.
Lliaising with different internal / external stakeholders and all different units linked to the admission and monitoring process.
Assess operations on credit / pricing.
Assist in monitoring policies and procedures.

What are we looking for?

Previous Experience and Technical Knowledge:

Minimum of 8 years of credit risk underwriting experience within a corporate or commercial banking environment.
Comprehension and analysis of financial statements, ratings, profitability, sector guidelines, projections and ESG related aspects.
Demonstrable experience and knowledge in Real Estate risk analysis.
Knowledge of different products as well as structures (LBOs, FI, Financial Sponsors, Leverage Finance, etc).
Knowledge of UK and Nordic Corporates, Financial sponsors activity and structure, Leverage Finance and Real Estate.
Data Analysis and Data Driven management.
Rating tools knowledge.
ESG knowledge is highly valuable.

Languages:

Fluent in English (C1) and Spanish (desirable).
Other languages are valuable.

Soft-skills:

Excellent communication and presentation skills.
Team building skills.
Ability to work under tight deadlines.
Excellent analytical capabilities and knowledge of regional/global participants of the different industries, with main focus but not limited to CRE.

Skills:

Customer Targeting, Empathy, Ethics, Innovation, Proactive Thinking

Banco Bilbao Vizcaya t/a Bbva Finance (Uk) Ltd

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