WHOLESALE RISK SENIOR MANAGER I

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BBVA es una compañía global con más de 160 años de historia que opera en más de 25 países donde damos servicio a más de 80 millones de clientes. Somos más de 121.000 profesionales trabajando en equipos multidisciplinares con perfiles tan diversos como financieros, expertos legales, científicos de datos, desarrolladores, ingenieros y diseñadores

Job Purpose & Objectives

• Responsible for the preparation of credit review and risk assessment analysis of credit proposals for the Bank’s corporate clients.

• Maintain credit quality of existing clients as well as prospective corporate clients. 

• Ensure the Risk Adjusted Return is above the minimum threshold established by the Bank’s directives.

Key Responsibilites

• Assist the GRM Asia department to build sound relationships and information flows with the key business stakeholders in Asia Pacific and HQ in Spain.

• Provide credit analysis and advices for Corporate & Investment Banking clients. 

• Conduct credit analysis on prospective and existing clients by performing financial spreads, providing a credit rating assessment and prepare credit proposals.

• Assess operations on credit / pricing and ensure minimum RAROEC/RORC threshold requirements. 

• Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times. Highlight to credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and to undertake necessary steps and follow-up actions recommended in the Loan Review Committee.

• 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.

Job Specifications

Qualification & Experience

• With a minimum of 10 years relevant experience in corporate banking credit risk management within reputable financial institutions.

• Familiar with risk assessments of large corporate clients

• Degree holder in Business Administration / Finance / Accountancy or its equivalent.

• Good understanding of banking products and risk management concepts.

Language

• Strong communication skills in English and Mandarin. 

• Additional languages (eg Spanish) will be an asset.

Other Skills (e.g. Interpersonal, Communication etc)

• Strong analytical and problem-solving skills. 

• Proven ability to identify and communicate Credit Risk.

• Effectively communicate skills to articulate risk issues.

• Strong interpersonal and communication skills

• Customer-oriented

• Able to work in a matrix reporting structure, multi-functional and cross-cultural environment

• Well-organized and meticulous in details

• Ability to work under pressure

• A team player

Habilidades:

Pensamiento analítico, Resolución de problemas