Structured Finance (Securitization-focus) Credit Risk Analyst

London - UK

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

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 121000 professionals working in multidisciplinary teams with profiles as diverse as financiers legal experts data scientists developers engineers and designers.

Globally-focused European Bank is seeking a highly skilled and experienced Senior Credit Risk individual to support its growth into diverse securitization products.

This role will focus on assessing managing and underwriting credit risk across various structured finance transactions and asset classes including accounts receivables auto loans & leases large and small ticket equipment loans & leases consumer loans credit cards and BNPL whole business cash flows CLOs RMBS and CMBS. The individual will collaborate closely with front office teams and provide expert analysis and strategic guidance to ensure the credit quality and regulatory compliance of these products.

The primary objective of this position is to drive material and visible improvement in Credit Risk Managements (CRM) ability to effectively risk underwrite transactions and manage an existing client portfolio consistent with industry best practices. Senior Vice President is expected to contribute to leading the internal execution and risk management process within CRM group.

About the job:

Key Responsibilities:

Evaluate and analyze the credit risk associated with new and existing securitization products.
Develop and maintain detailed underwriting frameworks tailored to different types of structured products as the bank is seeking to expand into various asset-backed securities (ABS).
Conduct scenario analysis and stress testing to assess potential credit impacts under various economic conditions.
Design and implement risk models and methodologies for analyzing the potential risk exposure of diverse securitization structures.
Oversee the ongoing monitoring of securitization portfolios to identify changes in credit risk and ensure adherence to risk limits.
Prepare and present detailed credit risk reports and presentations for senior management including risk exposure trends and strategic insights.
Work closely with front office personnel to guide and support the development and expansion of securitization products.
Advise cross-functional teams on credit risk policies procedures and best practices related to structured finance.
Collaborate with the infrastructure team to support the implementation of risk management systems and tools.
Ensure compliance with relevant regulatory requirements and internal policies.
Act as the liaison with regulators internal auditors and external review bodies for matters related to securitization credit risk.
Develop risk management strategies to support BBVAs growth objectives in the securitization market.
Participate in strategic planning to align credit risk management practices with business objectives and regulatory expectations.

Qualifications:

Bachelors or Masters degree in Finance Business Economics or a related field. MBA or CFA/FRM certification preferred.
At least 10 years of experience in credit risk management underwriting or scenario analysis within a financial institution perhaps consider rating agency candidates as well.
Strong expertise in securitization products including ABS CLOs CDOs RMBS and CMBS.
Understanding securitization rating methodologies and working with relevant teams within the bank to finalize the implementation of a rating model (not a requirement but preferable).
In-depth knowledge of risk assessment tools models and regulatory requirements.
Demonstrated experience in developing and implementing credit risk frameworks and policies.
Excellent analytical problem-solving and quantitative skills.
Strong communication and leadership abilities to effectively convey complex information to senior management and regulatory bodies.

Skills:

Customer Targeting Empathy Ethics Innovation Proactive Thinking

Required Experience:

Excited to grow your careerBBVA 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 121000 professionals working in multidisciplinary teams with profiles as diverse as financiers legal experts...