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For Companies At a Glance
- Tasks: Analyse credit risk and provide strategic insights for corporate clients.
- Company: Join a dynamic team at BBVA, a leader in corporate banking.
- Benefits: Gain valuable experience, competitive salary, and opportunities for professional growth.
- Why this job: Make a real impact on sustainable finance while collaborating globally.
- Qualifications: Degree in Finance or related field; experience in credit risk analysis preferred.
- Other info: Work in a multicultural environment with excellent career advancement potential.
The predicted salary is between 50000 - 70000 £ per year.
Risk CIB UK is the strategic unit responsible for managing credit risk for the BBVA United Kingdom Branch. We act as a critical partner within Corporate & Investment Banking (CIB), ensuring sustainable and profitable growth by overseeing wholesale credit admission for global corporate clients and institutional investors. Our team is dynamic and internationally connected, collaborating daily with Global Markets, Global Lending & Advisory, and Transactional units across BBVA’s global footprint. We are currently expanding our reach into the UK Mid-Corporate segment, integrating ESG factors into our core risk assessment to lead the transition towards a more sustainable financial future.
As a Corporate Credit Risk Associate, you will play a key role in protecting the Group’s credit quality while enabling business opportunities. You won’t just analyze numbers; you will provide strategic risk advice, support complex deal structures, and interact with diverse global stakeholders. This role offers a unique 360-degree view of the credit lifecycle, from initial pre‑screening and rating assessment to portfolio monitoring and committee presentation.
Your main responsibilities will include:
- Strategic Analysis: Performing deep-dive credit assessments for CIB clients, with a focus on industrial sectors and diversified corporates.
- End-to-End Management: Supporting the full credit process, including financial programming, rating assessments, and the preparation of high-impact credit proposals.
- Portfolio Stewardship: Proactively monitoring the financial evolution of our portfolio to early identify risks and opportunities.
- Decision Support: Crafting high-quality materials for Credit and Business Committees, providing insights that shape our lending decisions.
- Collaborative Liaison: Acting as a bridge between internal units (Business, Risks, Legal) and external stakeholders to ensure a seamless admission and monitoring process.
- Risk Advocacy: Identifying material events affecting client credit quality and assisting senior management in executing recommendations from the Loan Review Committee.
Mandatory Requirements
- Specific Technical Knowledge: Deep understanding of financial statement analysis and credit risk metrics. Familiarity with the UK corporate landscape, specifically within Industrial and Diversified sectors.
- Experience: Solid professional experience in credit risk analysis or corporate banking, preferably within a CIB or wholesale banking environment.
- Academic Background: University Degree in Finance, Economics, Business Administration, or a related quantitative field.
- Languages: Full professional proficiency in English (C1/C2).
Personal Skills
- Impactful Communication: Ability to present complex financial data clearly and persuasively.
- Priority Management: Excellence in delivering high-quality work in dynamic environments while maintaining focus on results.
- Collaborative Mindset: A natural team player who thrives in multicultural and cross-functional settings.
Nice to have
- Familiarity with ESG integration in credit risk frameworks.
- Direct experience in the UK Mid-Corporate market segment.
- Advanced proficiency in data visualization tools (e.g., PowerBI or Tableau) for risk monitoring.
- Knowledge of Spanish is a plus due to the Group’s global footprint.
Please note that priority will be given to candidates who are eligible to work in the UK.
Corporate Credit Risk Associate employer: BBVA
Contact Detail:
BBVA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Corporate Credit Risk Associate
✨Tip Number 1
Network like a pro! Reach out to professionals in the Corporate & Investment Banking sector, especially those involved in credit risk. Use platforms like LinkedIn to connect and engage with them; you never know who might have a lead on your dream job!
✨Tip Number 2
Prepare for interviews by diving deep into the company’s values and recent projects. Show us that you understand BBVA's commitment to sustainable finance and how you can contribute to their goals. Tailor your responses to highlight your relevant experience in credit risk analysis.
✨Tip Number 3
Practice your impactful communication skills! We want to see you present complex financial data clearly. Consider doing mock interviews with friends or mentors to refine your ability to convey insights effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows your genuine interest in joining our team at BBVA and being part of our exciting journey in the UK Mid-Corporate segment.
We think you need these skills to ace Corporate Credit Risk Associate
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Corporate Credit Risk Associate role. Highlight your understanding of financial statement analysis and credit risk metrics, as these are key to impressing us.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your background fits with our dynamic team. Don’t forget to mention any experience you have with ESG integration!
Showcase Your Communication Skills: Since impactful communication is crucial for this role, make sure your application materials are clear and concise. We want to see how you can present complex information in an engaging way, so don’t hold back!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at BBVA
✨Know Your Numbers
As a Corporate Credit Risk Associate, you'll be diving deep into financial statements and credit risk metrics. Brush up on your financial analysis skills and be ready to discuss how you interpret data. Prepare examples of past analyses you've conducted and how they influenced decision-making.
✨Understand the UK Corporate Landscape
Familiarise yourself with the UK corporate environment, especially within industrial and diversified sectors. Research recent trends and challenges in these areas, and be prepared to discuss how they might impact credit risk assessments. This shows you're not just knowledgeable but also proactive.
✨Communicate Clearly
Impactful communication is key in this role. Practice presenting complex financial data in a clear and persuasive manner. You might even want to prepare a mock presentation on a credit proposal to demonstrate your ability to convey insights effectively during the interview.
✨Show Your Collaborative Spirit
This position requires working closely with various internal and external stakeholders. Think of examples where you've successfully collaborated in a team setting, especially in multicultural environments. Highlight your ability to bridge gaps between different units and how that can benefit the team at BBVA.