RECOVERIES ANALYST I

Description

Job Summary: We are seeking a professional to develop financial programs, assess credit risk, and advise clients and managers on credit operations, ensuring regulatory compliance. Key Highlights: 1. Professional development within a global and diverse company. 2. Key role in credit risk assessment and debt restructuring. 3. Active participation in credit committees and client advisory. **Want to advance your professional career?** BBVA is a global company with over 160 years of history, operating in more than 25 countries, 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. **Contract Type:** Regular (Undefined) **What Are We Looking For?** **Responsibilities:** * Develop financial programs (credit risk reports) and conduct technical assessments of credit lines and debt restructurings, including mid-sized enterprises, large enterprises, or corporate entities, via bilateral/syndicated arrangements. * Present the Financial Program or specific transaction to department heads or credit committees. * Visit clients and support structuring of transactions and financial programs. * Assist and advise Branch Managers, Executives, and Relationship Managers regarding submitted and upcoming operations. * Meet response time requirements for operation evaluations as defined by established ANS standards. * Accurately validate credit ratings to exercise delegation authority or endorse proposals with direct supervisors or committees. * Comply with internal regulations and procedures (credit facilities, delegations, and Admission Protocols). * Submit proposals for client onboarding to the Watchlist (WL) Committee. * Manage internal client documentation. * Cross-check with Preventive Monitoring regarding historical payment behavior or client alerts. * Analyze and validate Credit Reports, Financial Statements, Customer Analysis Sheets, and company data. * Evaluate and approve Credit Risk Assessment Requests (ARCEs) for the Corporate Banking segment, proposed by business units (Corporate Banking Executives). * Monitor WL and Stage 2 portfolios; perform periodic portfolio reviews to propose WL exit, migration from Stage 2 to Stage 1 or to Stage 3, and expert judgment-based assessments. **Requirements:** ### **Academic Qualifications** * **Bachelor's degree or equivalent** in Economics, Business Administration, Accounting, Industrial Engineering, Finance, or related fields. * *Preferred:* Specialization, postgraduate diploma, or Master’s degree in Finance, Credit Risk, or Project Evaluation. Certifications such as FRM or CFA are a strong plus. Professional Experience * **Minimum 2–3 years’ experience** in roles such as Risk Analyst, Credit Evaluator/Approver, or Corporate/Enterprise Banking Executive. * **Proven experience** in evaluating credit lines, debt restructuring, and syndicated/bilateral operations for mid-sized, large, or corporate clients. * **Proven experience** participating in and presenting operations before Credit Committees. * Prior experience interacting directly with clients (commercial/technical visits). Technical Knowledge * **Advanced Financial Analysis:** Strong proficiency in reading and analyzing Financial Statements, cash flows, and financial ratios. * **Risk Management and Regulatory Framework:** In-depth knowledge of credit rating methodologies, portfolio management in alert status (*Watchlist* / WL), and international accounting standards (NIIF 9 / IFRS 9 classification criteria: Stage 1, 2, and 3\). * **Credit Structuring:** Knowledge of technical evaluation of credit facilities, guarantees, and financial projection models (Financial Programs). * **Tools:** Proficiency in MS Office (advanced Excel). Familiarity with data extraction or visualization tools (SQL, Power BI) is desirable. * **Languages:** Intermediate-to-advanced English (preferred, for reading financial reports or managing syndicated transactions). **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 the 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, and other characteristics. We cultivate a collaborative and inclusive work environment that enables each person to bring forth their best self. **Our Values** -------------------- **Our values define our identity** and serve as the driving force behind fulfilling 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 position in that country. In the event 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 position in that country are not met, you will unfortunately 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 this when applying for the position.