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- Tasks: Monitor loan portfolios and collaborate with teams to ensure successful loan transactions.
- Company: Join BBVA, a global leader in financial services with a rich history.
- Benefits: Enjoy competitive salary, hybrid work model, and opportunities for professional growth.
- Why this job: Be part of a dynamic team making impactful decisions in investment banking.
- Qualifications: Degree in finance or related field with 4+ years of relevant experience.
- Other info: Engage in a collaborative environment with excellent career advancement potential.
The predicted salary is between 55000 - 65000 ÂŁ per year.
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.
The BBVA Group is a customer-centric global financial services group with over EUR800 billion in total assets and more than 125,000 employees. BBVA Group has a leading position in the Spanish market, is the largest financial institution in Mexico, and boasts leading franchises in South America and Turkey. It also has an important investment, transactional and capital markets banking business in US, EMEA & Asia. The institution rests on solid values: customer comes first, think big and one team.
BBVA Corporate & Investment Banking (“BBVA CIB”) encompasses investment banking, market activities, loans and transactional services for international corporate clients and institutional investors. BBVA CIB clients can choose from a wide range of value-added products and financial solutions and access expert advisory services to achieve their business, transformation and sustainability objectives in line with their strategic plans. This robust global franchise services clients worldwide, with an extensive network of financial experts, investment-banking specialists and advisers in specific industries and sectors.
This is an opportunity for a qualified candidate to join a growing team.
About the job:
The Portfolio Monitoring (“PM”) team is an integral part of Investment Banking & Finance within BBVA CIB. PM is responsible for working with front office teams to execute loan documentation and monitor the performance of the loan portfolio. Also, PM may provide agency services when BBVA acts as agent on syndicated deals. PM is involved from the early stages of loan execution but once a loan transaction is booked, PM manages any event relative to the transaction, including among others covenant monitoring, amendments or waivers. The PM team also monitors the loan book for information on a borrower in order to anticipate potential risks and keeps a fluid communication with both front office and risk teams. As a first line of defense for credit quality, PM is also responsible for recommending involvement of the restructuring teams, if the case may be.
For loans where BBVA acts as Agent, PM is integral in working with the borrower to distribute required covenant compliance documents and communicate with the club or banking syndicate. As a participant bank, PM acts as the key contact point with the administrative agent and manages the loan activity post-closing.
General responsibilities for the role include, but are not limited to, the following:
- Work closely with risk and front office teams to successfully structure and close loan transactions
- Proactively manage the loan portfolio, including covenant compliance reporting, amendments and waivers
- Monitor borrowers for key events that could impact the credit quality of the portfolio
- Engage with restructuring teams as needed for loans at risk of default
- Interact with Collateral Agents, Account Agents, Internal / External Legal Counsel, Trustee, Advisors
- Interface with internal loan operations and funding desks in the closing and management of the loan book
- Work with Loan Syndicate & Sales teams in the purchase and sale of assets as needed
- Regularly report loan metrics and performance indicators
List Major/Essential Job Duties:
- Interact with internal and external parties to ensure successful maintenance of the EMEA & Asia loan book
- Provide Agency Services function for loan transactions where BBVA acts as lead bank or sole lender
- Monitor progress of key projects in construction and operation
- Analyse complex qualitative and quantitative information, e.g. financial models, technical and legal due diligence/reporting and facility documentation
- Prepare periodic project reviews and present them to the monthly risk committee
Level of Complexity and Risk Involved:
- Moderate level of complexity – especially related to monitoring of project finance.
- First line of defense.
Skills, knowledge, and abilities/competencies:
- Degree in Economics, Accounting, Finance or related field.
- 4+ years of experience including roles in origination, structuring, loan monitoring, and/or agency services.
- Project finance or leverage finance background.
- Understanding of the loan closing process and administrative agent roles.
- Demonstrated experience in loan documentation, loan structures, models and management of covenants.
- Excellent English written and verbal communication skills.
- Ability to work in a team environment and under tight deadlines.
- Strong analytical skills - modelling capabilities desirable.
Skills: Customer Targeting, Empathy, Ethics, Innovation, Proactive Thinking
Don’t miss any opportunity and upload your CV! You will join our Talent Community so that we can send you future opportunities that match your profile.
Portfolio Monitoring Associate employer: BBVA Group
Contact Detail:
BBVA Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Monitoring Associate
✨Tip Number 1
Network like a pro! Reach out to people in your field on LinkedIn, especially those already working at BBVA. A friendly message can go a long way in getting your foot in the door.
✨Tip Number 2
Prepare for interviews by researching BBVA's recent projects and news. Show us you’re genuinely interested in the company and the Portfolio Monitoring Associate role by discussing how your skills align with their goals.
✨Tip Number 3
Practice your responses to common interview questions. We recommend using the STAR method (Situation, Task, Action, Result) to structure your answers and highlight your relevant experience effectively.
✨Tip Number 4
Don’t forget to follow up after your interview! A quick thank-you email can keep you top of mind and show us that you’re enthusiastic about the opportunity. Plus, it’s just good manners!
We think you need these skills to ace Portfolio Monitoring Associate
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Portfolio Monitoring Associate role. Highlight relevant experience in loan monitoring, project finance, and any analytical skills that match the job description.
Craft a Compelling Cover Letter: Your cover letter should tell us why you're the perfect fit for this role. Use specific examples from your past experiences that demonstrate your skills in managing loan portfolios and working with diverse teams.
Showcase Your Analytical Skills: Since this role involves analysing complex information, make sure to mention any relevant projects or experiences where you've successfully used your analytical skills. We love numbers and insights!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and keep you updated on your progress. Plus, it shows you're keen on joining our team!
How to prepare for a job interview at BBVA Group
✨Know Your Numbers
As a Portfolio Monitoring Associate, you'll be dealing with financial metrics and loan performance indicators. Brush up on your financial analysis skills and be ready to discuss how you've used data to make informed decisions in past roles.
✨Understand the Loan Process
Familiarise yourself with the loan closing process and the role of an administrative agent. Be prepared to explain how you’ve navigated similar processes in your previous positions, showcasing your understanding of loan documentation and covenant management.
✨Showcase Teamwork Skills
This role requires collaboration with various teams, including risk and front office. Think of examples where you successfully worked in a team environment, especially under tight deadlines, and be ready to share these during your interview.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving abilities, particularly in risk management scenarios. Prepare by thinking through potential challenges in loan monitoring and how you would address them, demonstrating your proactive thinking and analytical skills.