Portfolio Monitoring Senior Associate – Corporate Loans & Funds Financing

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

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The Portfolio Monitoring unit is part of the Investment Banking & Finance (IB&F) area within BBVA Groups Corporate & Investment Banking (C&IB) division. The team is responsible for managing the portfolio of bilateral and syndicated transactions originated by IB&F including Project Finance Real Estate Finance Leveraged Lending Corporate Loans and Structured Trade Finance transactions across Iberia the rest of EMEA Latin America and the United States.

Portfolio Monitoring is involved from the early stages of transaction structuring and remains engaged throughout the entire lifecycle of each deal. Following signing the team independently manages all transaction-related events including amendments waivers consents and other post-closing matters until full repayment. The unit also performs agency functions for syndicated transactions.

In addition the team is responsible for reviewing Probability of Default (PD) and Loss Given Default (LGD) assessments for Project Finance transactions and for recommending the transfer of transactions to the restructuring team when appropriate. This reflects a proactive and forward-looking approach to portfolio monitoring and risk management.

Through its extensive agency mandates in syndicated transactions the team maintains direct and close relationships with clients lenders and other key stakeholders ensuring effective coordination and execution throughout the life of each transaction.

About the job:

The successful candidate will be responsible for the management monitoring and ongoing administration of a portfolio of Corporate Loans and Fund Financing (Capital Calls TLB) transactions. Over time the scope of responsibilities may expand to include Project Finance Leveraged Finance Real Estate and /or Structured Trade Finance transactions.

The role requires strong analytical and problem-solving skills attention to detail and the ability to manage multiple stakeholders across different geographies and business areas. The successful candidate should be comfortable working autonomously demonstrating sound credit judgment a proactive approach to risk management and excellent communication skills in a dynamic and international environment.

Key responsibilities include:

• Supporting Origination and Structuring teams during the pre-closing phase of transactions ensuring a smooth handover to portfolio management.

• Coordinating with all relevant internal stakeholders including Origination Relationship Management Risk Legal Operations and other support functions through regular transfer and follow-up meetings.

• Independently managing lenders requests and post-closing events including amendments waivers consents and restructurings liaising with clients lending syndicates Risk internal and external legal counsel and other BBVA units (BEC BIBEC Global Client Coverage Financial Sponsors Recovery CIB Workout among others).

• Monitoring compliance with financial covenants guarantees security packages and other contractual obligations through the relevant internal systems ensuring the timely updating and maintenance of all monitoring tools and databases.

• Maintaining close relationships with Agent Banks borrowers sponsors and other key stakeholders throughout the life of each transaction.

• Managing incoming and outgoing transaction documentation particularly in syndicated facilities where BBVA acts as Agent Bank using the appropriate communication and documentation platforms.

• Overseeing the portfolio from an asset management perspective applying a sector-focused approach to identify business opportunities and anticipate potential credit performance or insolvency risks.

• Contributing to the optimization of risk-adjusted profitability metrics and the efficient use of regulatory capital.

• Supporting the continuous enhancement and development of the departments technological and reporting infrastructure.

• Proactively identifying emerging risks sector trends or transaction-specific issues and proposing mitigation measures or action plans in coordination with the relevant business and risk teams.

• Ensuring the accuracy completeness and timely updating of portfolio information across all internal management and monitoring systems.

Geographical coverage

• The portfolio will primarily consist of Corporate Lending and Funds Financing transactions involving clients based in Spain and Portugal.

Candidate Profile

• University degree in Business Administration Economics Finance Engineering Law or a related discipline.

• A masters degree in finance Economics Business Administration (MBA) or a similar field would be considered an asset.

• A minimum of 57 years of relevant professional experience in Corporate Lending and/or Funds Financing transactions gained in origination execution portfolio management or portfolio monitoring roles. Exposure to other structured lending products including Project Finance Structured Trade Finance Object Finance Leveraged Finance and Corporate Lending would be considered a strong advantage.

• Strong understanding of credit risk loan documentation syndicated lending structures and post-closing transaction management.

• Ability to work effectively in a dynamic international environment and manage multiple stakeholders across different business areas and jurisdictions.

• Willingness and flexibility to undertake geographical mobility as required by the role.

• Fluent Spanish (native speaker or minimum B2 level).

• English proficiency at C1 level or above is required; C2 proficiency would be highly valued.

• Additional language skills particularly Italian German French or Asian languages would be considered a strong advantage.

Skills: