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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:

Summary

The candidate will conduct independent credit reviews to ensure compliance with Bank policies and procedures as well as adherence with regulatory guidelines. The ideal candidate will possess the ability to identify and communicate credit risk management weaknesses; as well as effectively challenge internal and regulatory risk ratings where appropriate.

Responsibilities

• Perform independent, objective and timely assessment of credit risk ratings and credit risk management process. Identify deficiencies and/or areas of improvement in credit risk procedures and policies and recommend corrective actions where necessary.

• Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet, capital structure analysis and all base as well as stress-scenario financial projections as required.

• Maintain in-depth knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring. Proactively recommend changes to policies and procedures as needed

• Able to articulate verbal and well written supported opinions of process, procedure and credit risk to senior management to effectively challenge internal risk ratings where appropriate to effectively challenge internal risk ratings where appropriate.

• Demonstrate a commitment to quality and attention to detail and is accountable for consistency of work products.

Qualifications

• Bachelor’s degree Bachelor’s degree in Accounting, Finance, Business, or equivalent field

• Minimum 4 year’s credit risk review experience within 10 years combined credit risk experience.

• Strong knowledge of Commercial lending and credit analysis with proven experience in corporate, syndicated and leveraged loans.

• Critical thinking and problem-solving skills.

• Advance Excel skills and experience.

• Technical Google skills for data analysis.

• Ability to work independently, accept accountability and demonstrate initiative.

• Must be able to prioritize and organize assignments and meet strict deadlines

• Effective communication skills for presenting credit opinions and concerns challenging risk owners and managers.

• Ability and willingness to articulate verbal, well-written, and supported credit review opinions

With respect to this position in our New York Office, the expected base salary ranges from $150,000 to $170,000. 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: [email protected] 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.