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- Tasks: Manage credit risk for UK Branch and provide analysis for Corporate & Investment Banking clients.
- Company: Join BBVA, a global leader with over 160 years of experience serving 80 million customers.
- Benefits: Enjoy a diverse work environment with opportunities for growth and collaboration across disciplines.
- Why this job: Be part of a team that integrates ESG factors into credit quality, impacting global corporate clients.
- Qualifications: 5+ years in credit risk underwriting; knowledge of financial statements and Real Estate risk analysis required.
- Other info: Fluency in English is essential; Spanish is a plus. Experience with rating tools is valuable.
The predicted salary is between 43200 - 72000 £ per year.
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.
About the job:
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 close contact with corporate credit areas of all the geographies the Group works with. At the same time, we are also focusing on some new Mid UK Corporates.
- Manage end-to-end processes from pre-screening and admission of individual operations to the extinction of approved risks.
- Provide credit analysis and risk advice 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 preparing credit proposals.
- Monitor the credit risk portfolio by following up on the clients’ financial evolution and credit exposure at all times.
- Participate in credit and business committees.
- Highlight to the credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and undertake necessary steps and follow-up actions recommended in the Loan Review Committee.
- Liaise with both internal/external audits, Internal Control, and all different units linked to the admission and monitoring process.
- Assess operations on credit/pricing and ensure minimum RAROEC/RORC threshold requirements.
- 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.
Requirements:
- Minimum of 5 years of credit risk underwriting experience within a corporate or commercial banking environment.
- Rating tools knowledge.
- Knowledge of UK and Nordic Corporates, Financial sponsors activity and structure, Leverage Finance, and Real Estate.
- 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.).
- Data Analysis and Data Driven management.
- Fluent in English (C1) and Spanish (desirable).
Also valuable:
- Other languages.
- ESG knowledge.
Skills:
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CREDIT RISK CORPORATES UK employer: BBVA
Contact Detail:
BBVA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land CREDIT RISK CORPORATES UK
✨Tip Number 1
Make sure to familiarize yourself with the specific credit risk frameworks and regulations in the UK. Understanding the local market dynamics and regulatory environment will give you an edge during discussions with the hiring team.
✨Tip Number 2
Highlight your experience with ESG factors in credit analysis. Since this role emphasizes integrating ESG into credit assessments, showcasing relevant projects or insights can set you apart from other candidates.
✨Tip Number 3
Network with professionals in the corporate banking sector, especially those involved in credit risk management. Engaging with industry peers can provide valuable insights and potentially lead to referrals.
✨Tip Number 4
Stay updated on current trends in Real Estate finance and leverage finance. Being knowledgeable about recent developments and challenges in these areas will demonstrate your commitment and expertise during interviews.
We think you need these skills to ace CREDIT RISK CORPORATES UK
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly read the job description for the Credit Risk Corporates UK position at BBVA. Understand the key responsibilities and requirements, especially focusing on credit risk analysis and ESG factors.
Highlight Relevant Experience: In your CV and cover letter, emphasize your credit risk underwriting experience, particularly within corporate or commercial banking. Mention specific projects or roles where you utilized rating tools and conducted financial analysis.
Showcase Your Skills: Demonstrate your knowledge of UK and Nordic Corporates, as well as your understanding of financial statements and ESG-related aspects. Use concrete examples to illustrate your data analysis skills and how they have contributed to previous roles.
Tailor Your Application: Customize your application materials to reflect the language and values of BBVA. Use keywords from the job description and express your enthusiasm for contributing to their mission of preserving credit quality while integrating ESG factors.
How to prepare for a job interview at BBVA
✨Showcase Your Credit Risk Expertise
Make sure to highlight your experience in credit risk underwriting, especially within corporate or commercial banking. Be prepared to discuss specific cases where you successfully managed credit risks and how you integrated ESG factors into your assessments.
✨Demonstrate Financial Acumen
Since the role requires a strong understanding of financial statements and credit analysis, come ready to discuss your approach to analyzing financial data. You might even want to prepare a brief case study or example that illustrates your analytical skills.
✨Familiarize Yourself with Relevant Tools
Knowledge of rating tools and internal control processes is crucial. Be prepared to talk about any relevant software or tools you've used in the past and how they helped you in your credit risk assessments.
✨Prepare for Behavioral Questions
Expect questions that assess your ability to work in multidisciplinary teams and manage stakeholder relationships. Think of examples from your past experiences that demonstrate your teamwork and communication skills, particularly in high-pressure situations.
