WHOLESALE RISK ANALYST II

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: Overview: Top European Bank (the Bank) with significant New York operations is looking for a Corporate Credit Underwriter. The primary objective of this position is to drive material and visible improvement in Credit Risk Managements (CRM) ability to effectively risk underwrite middle market transactions and manage an existing client portfolio, consistent with industry best practices. Analyst is expected to learn and contribute internal execution and risk management process within CRM group. Responsibilities include, but are not limited to, managing one or several industry verticals whose main purposes is transaction credit underwriting and execution, working with senior members of the CRM group on deal documentation and deal closing, and ongoing credit monitoring and portfolio management. The Bank is one of the leading proponents of Sustainable investing, helping clients in the transition to a sustainable future by promoting environmental protection, economic growth and social development (ESG). The Bank contributes to various Sustainable Development Goals through the development of its business by generating a positive impact through the multiplier effect of banking, the direct impact of its activity, as well as through its investment in the community. Knowledge in risk management with a focus on climate and sustainability (i.e. GARP SCR or CFA ESG Investing certified) is highly preferable, but not a requirement for the opportunity. Responsibilities: Assist in underwriting large-cap credit proposals across multiple sectors, working closely with senior underwriters to evaluate new transactions, refinancings, and various credit structures. Engage in rotational assignments across the Corporate Underwriting verticals to build sector-specific expertise and enhance underwriting breadth. Participate in ad hoc credit risk projects such as portfolio analytics, sector deep dives, process enhancements, regulatory initiatives, and model or policy updates. Develop strong working relationships with internal partners across risk, coverage, operations, legal, and product groups. Conduct detailed financial due diligence, including historical performance analysis, forward-looking financial modeling, stress testing, cash-flow forecasting, and industry and competitive landscape assessments. Review and interpret key transaction documents such as term sheets, credit agreements, security agreements, and ancillary documentation to identify material risks and structural considerations. Support coordination with Credit Risk Officers, Relationship Managers, and Product Specialists to align transaction terms with internal risk appetite and ensure global credit limits are appropriately calibrated. Contribute to the preparation and refinement of credit applications in accordance with internal risk policies, procedures, and regulatory expectations. Assist in processing transaction-related requests, including amendments, covenant waivers, compliance certifications, and restructuring analyses. Support ongoing credit monitoring responsibilities, including annual and interim reviews, early warning analyses, risk rating assessments, and exposure reporting. Qualifications: Up to 1 to 2 years of experience in corporate credit underwriting, credit risk analysis, or related areas within a corporate banking or financial services environment; strong internship experience will be considered. Solid analytical and critical-thinking skills, with the ability to evaluate company performance, capital structure, cash-flow durability, and transaction risks. Strong written and verbal communication skills, including the ability to draft credit memoranda and articulate credit views to senior stakeholders. Ability to work both independently and collaboratively in a fast-paced environment, managing multiple tasks with attention to detail and sound judgment. Demonstrated ability to develop internal networks and interact effectively with senior underwriters and cross-functional teams. Understanding of corporate banking compliance requirements and US lending regulations. Working knowledge of credit products, underwriting frameworks, and corporate lending processes, with comfort navigating complex deal structures. Familiarity with legal and transactional documentation, including term sheets and credit agreements. Bachelors degree in Finance, Accounting, Economics, or a related field. MBA is beneficial but not required. Certifications such as GARP SCR or CFA ESG Investing are a positive differentiator but not mandatory. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. With respect to this position in our New York Office, the expected base salary ranges from $85,000 to $95,000. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus. *Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions Legal requirements It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus. Pay Transparency Policy Statement The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information (41 C.F.R. 60-1.35 (c)). Individuals with Disabilities BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch invite all interested and qualified applicants to apply for employment opportunities. If you are a U.S.-based job seeker with a disability who is unable to use our online tools to search and apply for jobs, please contact us by emailing: disabilityaccessjobs.us@bbva.com or by calling toll-free (in the U.S.) 1-844-664-9275. Please indicate the specific type of assistance needed*. *The disability access telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related or technical issues, will not receive a response. EEO Statement BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities. View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA USA, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer. Dont miss any opportunity and... upload your CV! 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