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BBVA · 3 weeks ago

Corporate Credit Analyst - Senior Vice President

New York, NY

Full-time

Onsite

Lead/Staff, Director/Executive

$180K/yr - $225K/yr

12+ years exp

BBVA is a top European Bank with a strong and growing U.S. presence, seeking a highly skilled Corporate Credit Analyst with significant experience in corporate and investment banking. The role involves assessing the creditworthiness of corporate clients, managing credit risk, and contributing to the bank's sustainable investing initiatives.

AccountingBankingFinanceFinancial ServicesLending

Comp. & Benefits

No H1B

Responsibilities

Lead comprehensive credit risk assessments for complex cash-flow–based corporate lending, including corporate loans, trade finance, structured finance, and sponsor-driven and leveraged finance transactions

Perform in-depth financial analysis, including review of financial statements, cash flow forecasts, and stress scenarios, to evaluate obligor creditworthiness and transaction viability

Review, interpret, and negotiate complex legal documentation, including loan agreements, trade finance instruments, intercreditor arrangements, and ISDA documentation

Oversee due diligence on transaction structures, credit terms, collateral packages, and covenant frameworks to ensure alignment with risk appetite and regulatory standards

Partner closely with front office, legal, and external counterparties to analyze and interpret credit transactions

Monitor portfolio performance and emerging risks across assigned corporate loan portfolios; ensure proactive risk mitigation and adherence to credit policies

Prepare and present credit memoranda, risk assessments, and recommendations to credit committees and senior management, exercising independent credit judgment

Identify early warning indicators and deteriorating credit trends; recommend and implement timely risk management actions

Provide oversight and guidance for periodic reviews, renewals, amendments, and restructurings of existing credit facilities

Contribute to continuous improvement of credit processes, underwriting standards, and portfolio risk management practices

Qualification

Credit risk managementFinancial analysisCredit underwritingLoan documentationStructured financeLeveraged financeIndependent judgmentU.S. regulationsCommunicationRelationship building

Required

12–15 years of progressive experience in credit risk management, with a strong focus on corporate, structured, and leveraged finance within 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 in high-value, complex transactions

Excellent communication skills, with the ability to articulate risk positions clearly 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