Job Summary: Credit risk analyst responsible for evaluating credit proposals, managing credit files, performing information verification, and supporting commercial banking training. Key Highlights: 1. Professional development within a global company with over 160 years of history. 2. Being part of multidisciplinary and diverse teams. 3. Responsible banking, diversity, and inclusion are core values. **Want to advance your professional career?** BBVA is a global company with over 160 years of history, operating in more than 25 countries and serving over 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with diverse profiles, including finance specialists, legal experts, data scientists, developers, engineers, and designers. Our people make the difference in our success. **Employment Type:** Regular (Indefinite) **What Are We Looking For?** **Responsibilities** * Conduct credit risk analysis for credit proposals falling within your scope, originating from Branch Network and CN Hipotecario (Mortgage Centralized Unit) and other channels, exceeding the Branch Manager’s delegation authority. * Manage assigned credit files to meet established productivity and ANS (Average Number of Submissions) targets, and carry out assignments and sanctions within stipulated timeframes. * Verify client-provided information and documentation as required by current regulations and outlined in the checklist. * Perform behavioral screening of clients and related parties (ineligible marks, watch lists, preventive marks, target bureaus). Additionally, cross-check information using public search engines, applications, and internal and external tools. * Review client background by verifying prior reports, products, and conditions. * Register approved contracts. * Conduct qualitative and quantitative assessments leveraging available tools for: * SME and Individual proposals. * Conduct virtual and in-person client visits according to established criteria. Information verification must be validated, supported by documentation stored in authorized repositories and compliant with current regulations. * Validate branch visits per current regulations; this requires verification information in WP tool or Single Drive. * 10 Save information requiring documentation and defined by the SME Individual Admission Unit, using tools such as Single Drive. * Verify accurate completion of information in applications and forms submitted by branches used for evaluating Individual and SME proposals to ensure proper assessment. * Stay updated on current regulations, delegation charter, delegation usage guidelines, and product guides. * Identify existence of GE (Group Exposure) and verify appropriate marking in the corresponding application. * Construct stress tables to identify active products, risk positions, and guarantees held by the principal and related parties, enabling calculation of Group Risk and Blank Risk defining the sanction scope. * Perform sensitivity analysis for LP (Long-Term) proposals requiring it per Unit determination. Also perform RCC (Risk Concentration Control) analysis for ME (Medium-Term) proposals, prioritizing financing in the currency generating business revenue. * Collaborate with branches to improve terms, guarantees, amounts, etc., to render operations viable. * Understand and monitor appropriate use of delegated figures per level as stipulated in Policies. * Report breaches of operational conditions, branch delegation excesses, or operations with alerts to Internal Control, Monitoring, and Retail Policies Units. * Support preparation of training material for Commercial Banking on Retail Credit Risk. * Timely and detailed reporting via systems and applications of travel expenses incurred during performance of duties, complying with regulatory requirements. * Participate in process improvement and SME/Retail Risk quality enhancement projects. * Familiarity with various applications necessary to verify status of products used by Bcom (Commercial Banking), including: Bill Discounting, Leasing, Working Capital Loans, Fixed Asset Financing, Comex, Letters of Guarantee, Mortgage Loans, PLD (Prevention of Money Laundering); TKT (Ticket), TC (Credit Card), etc. * Review and update the Extractive Regulation when requested by the Policies team and/or whenever deemed necessary. * Other responsibilities assigned by your immediate supervisor. **Requirements** * Graduate in Agricultural Engineering (mandatory). * Prior work experience in agricultural and SME loan evaluation. * Availability: Willingness to travel to northern regions of the country (Chiclayo, Lambayeque, Piura, and Jaén) approximately 3–4 times per year for client visits and field evaluations. * Strong expertise in economic and financial analysis. * Advanced proficiency in database management and spreadsheet applications (Microsoft Excel and Google Sheets). * Ability to structure and deliver effective presentations. * Key competencies: High proactivity, empathy, and interpersonal tact, coupled with the character and firmness required to manage complex technical evaluations in the field. **Responsible Banking** --------------------- Our responsible banking model **aims to build a more inclusive and sustainable society.** Because the future of finance is financing the future. We began with the spirit of helping others make the best financial decisions. That spirit remains today and drives us forward—prioritizing innovation and digital transformation, and making opportunities of this new era accessible to all. **Diversity** -------------- At BBVA, we believe that having a **diverse team** makes us a better bank. For this reason, we **actively support diversity, inclusion, and equal opportunity**, regardless of race, gender, age, religion, sexual orientation, gender identity, gender expression, among others. We foster a collaborative and inclusive work environment that enables each person to showcase their best self. **Our Values** -------------------- **Our values define our identity** and serve as the driving force behind achieving our purpose, guiding all our actions and decisions. **Legal Requirements** If the position you are applying for is located outside the country where you currently reside, you may need to obtain a visa and/or work permit and/or residence permit, as well as comply with any other requirements mandated by local labor and immigration regulations or applicable professional regulations for the role in that country. In case you are selected as the final candidate, BBVA may assist you in processing the relevant permit/visa, provided that if, for any reason (i.) the corresponding visa and/or work permit and/or residence permit is not issued, or (ii.) any other requirements mandated by local labor and/or immigration and/or professional regulations applicable to the performance of the role in that country are not fulfilled, regrettably you will be excluded from the position. Likewise, if you already hold a visa and/or work permit and/or residence permit for the relevant country, please indicate so when applying for the position.
María García
Indeed · HR
María García
Indeed · HR
