Corporate Credit Analyst - Vice President
About The Position
BBVA is seeking a seasoned Vice President for its Global Risk Management unit in the New York Office. This is a principal credit adjudication role requiring independent credit judgment across corporate banking products, industries, and transaction structures. The unit independently underwrites corporate clients and transactions before approval and monitors portfolio risk throughout each relationship, including periodic reviews, amendments, waivers, and restructurings. The position underwrites credit exposures across corporate client relationships rather than specializing in one product. The successful candidate will independently assess complex corporate borrowers, transaction structures, and legal documentation; present supported recommendations to credit committees; and adapt to different industry sectors as portfolio and business priorities change. The role also contributes to improving credit processes, underwriting standards, and portfolio risk management practices.
Requirements
- 7–10 years of progressive credit risk management experience, focused on corporate and structured finance in a corporate or commercial banking environment.
- Deep expertise in credit underwriting, financial analysis, and risk assessment across complex structures and products.
- Strong working knowledge of loan documentation, trade finance instruments, and ISDA agreements.
- Demonstrated ability to exercise independent judgment and make sound risk decisions on high-value, complex transactions.
- Excellent communication skills and ability to clearly articulate risk positions to senior stakeholders and credit committees.
- Strong understanding of corporate banking policies, procedures, governance frameworks, and approval processes, including U.S. lending regulations.
- Track record of building effective relationships with internal partners, peers, and external stakeholders to deliver timely, high-quality credit decisions.
- Bachelor’s degree in Finance, Accounting, or a related field.
- Eligibility to work in the U.S.; BBVA will not pursue visa sponsorship.
Nice To Haves
- MBA.
Responsibilities
- Lead independent underwriting and credit assessment of corporate clients across relationship-banking products, including corporate lending, revolving facilities, acquisition and leveraged finance, trade finance, structured finance, equipment finance, leasing, derivatives, and asset-based or borrowing-base facilities.
- Assess complex transaction structures, including repayment capacity, collateral, legal structure, counterparty risk, and transaction-specific risks.
- Conduct financial analysis of historical performance, projected cash flows, liquidity, leverage, covenant capacity, sensitivities, and downside scenarios.
- Review and interpret transaction documentation, including credit and security agreements, borrowing-base provisions, trade finance documents, leasing agreements, intercreditor agreements, ISDA Master Agreements, CSA documentation, and guarantees.
- Present independent credit recommendations and risk opinions to senior management and Credit Committees.
- Manage an assigned portfolio through monitoring, annual reviews, amendments, restructurings, waivers, and early identification of emerging credit risks.
- Collaborate with Relationship Managers, Product Specialists, Legal, Operations, and other stakeholders while maintaining independent credit judgment.
- Support underwriting across industry sectors and take responsibility for new sectors or portfolios as business priorities evolve.
- Contribute to the improvement of credit processes, underwriting standards, and portfolio risk management practices.
Benefits
- Employee benefits package
- Eligibility for a discretionary bonus
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What This Job Offers
Job Type
Full-time
Career Level
Senior
