WHOLESALE RISK ASSOCIATE I

Description

Job Summary: We are seeking a professional to conduct credit assessments, financial analysis, and portfolio management within the corporate sector, promoting continuous process improvement. Key Highlights: 1. Credit assessment and structuring of proposals for corporate clients. 2. Financial analysis, forecasting, and cash flow modeling. 3. Active participation in continuous process improvement and portfolio management. **Want to develop 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. **Employment Type:** Regular (Indefinite) **What Are We Looking For?** **Main Responsibilities:** * Conducting credit assessments and structuring credit proposals for clients within the Corporate perimeter. * Analyzing financial statements, performing forecasts, cash flow modeling, and developing structural proposal frameworks. * Evaluating and validating credit risk transactions in accordance with the Wholesale Risk Policy and established Guidelines. * Promoting and participating in continuous process improvement. * Presenting and justifying assigned transactions before relevant committees. * Managing and administering the assigned analytical portfolio. * Participating in meetings and/or client visits alongside our Account Executives to review strategies and define future proposals. **Requirements:** * Bachelor’s degree or higher in Economics, Business Administration, Industrial Engineering, Finance, or related fields. * Minimum 3 years of experience in financial statement analysis, financial ratios, and development and evaluation of forecasting models. * Knowledge of large enterprises and/or corporate clients. * Detail-oriented mindset and negotiation skills. * Intermediate-to-Advanced English proficiency. * Preferably, experience in structuring medium- to long-term 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 factors. We foster a collaborative and inclusive work environment that allows each person to bring forth their best self. **Our Values** -------------------- **Our values define our identity** and serve as the driving force enabling us to fulfill our purpose and guiding every action and decision we make. **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 the event you are selected as the final candidate, BBVA may assist you in processing the corresponding permit/visa, with the understanding that if, for any reason, (i.) the required 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 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.