Credit Risk Specialist (m|f|x) Zurich

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.

Tasks

Provide independent credit risk expertise and end-to-end oversight of the Lombard lending portfolio, including loans, credit facilities, and guarantees secured by assets held with the bank. The role is responsible for assessing and structuring credit proposals, establishing appropriate collateral and lending parameters, monitoring exposures and margin requirements, and ensuring that credit decisions remain aligned with the bank’s risk appetite, policies, and regulatory standards.

Functions (duties and responsibilities):

• Prepare, review, and oversee credit operations.
• Prepare and present credit proposals for higher-risk transactions to the relevant credit committee.
• Continuously monitor Lombard lending positions, identify emerging risks, and resolve issues promptly to prevent or minimize losses.
• Prepare and submit risk reports to BBVA headquarters.
• Advise and train Relationship Managers on Lombard credit operations, requirements, and risk considerations.
• Analyze financial products and assign, review, and update their lending values.
• Manage credit-related accounting and operational entries across Avaloq, SWIFT applications, and other internal systems.
• Coordinate with Relationship Managers and the Legal Department to issue guarantees and standby letters of credit (SBLCs).

Profile / Your qualification / Your personality

• Degree in Business/Economics or equivalent
• Master’s degree, graduate studies, or equivalent higher education in quantitative/analytical fields
• In-depth understanding of credit analysis methodologies
• Collateral management, margining frameworks, portfolio risk management, counterparty risk assessment, etc.
• At least 5 years of work experience in risk control functions
• Organizational skills and the ability to manage multiple tasks simultaneously
• Analytical and research skills, and the ability to review and interpret large amounts of data
• Ability to synthesize key issues and themes
• Outstanding analytical, comprehension, and problem-solving skills
• Excellent attention to detail and a high level of accuracy
• Ability to constructively challenge business proposals
• Motivated, flexible, and a team player
• Proficient knowledge of the MS Office suite (especially Excel)
• Fluent in Spanish and English

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Location

Selnaustrasse 32/36, CH-8001 Zurich