At BBVA, we are leading the transformation of global banking with the aim of bringing the opportunities of this new era within everyone’s reach. We are a global financial institution present in 30 countries with over 75 million customers. We are a bank with over 126,000 employees across the world and every one of those employees is leading and designing his/her professional career with the help of tools provided by the organisation to make that happen.
Corporate responsibility is an intrinsic part of our business model, promoting inclusion and financial education while supporting research and culture. Being part of BBVA means developing your career in one of the most innovative companies in finance.
We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritising innovation and digital transformation so that we can bring the opportunities of this new era within everyone’s reach.
Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.
Primary responsibilities are to structure credit to market (asset quality and competitiveness balanced), developing financial models and projections for term debt and transactions, negotiating credit (with Client Manager and/or Credit Products Officer involved as needed), underwriting credit, gaining credit approval, etc. The Credit Products Officer will assist with credit activities associated with Commercial Banking (Large Middle Market and C&I) or Corporate & Investment Banking (CIB) relationships with aggregate debt exposure greater than $15MM. These relationships involve complex, syndicated, and highly valued credits.
Team members will have exposure and knowledge of senior debt markets and broader capital markets including credit underwriting, structuring, negotiation, syndicated/ complex credits, and cross-selling opportunities. Formal credit or commercial loan training is a plus. Candidates must possess superior verbal, written, and organizational skills. Individuals must be able to prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines. High integrity and respect for confidentiality are invaluable. Excellent computer skills in Windows, understanding of business and personal financial statements, good phone and presentation skills required.
– Structure credit to market (asset quality and competitiveness balanced).
– Conduct financial modeling (projections for term debt and transactions).
– Underwrite credit (new / renewals / modifications).
– Gain credit approval (with Client Manager or Relationship Manager as sponsor).
– Complete due diligence.
– Negotiate credit (with Client Manager or Relationship Manager involved as needed).
– Reviewing closing documents and ensuring proper booking of transactions.
– Monitor financial statements, borrowing base, covenant compliance, exception management overdrafts and ACH approvals.
– Contribute to client planning sessions.
– Work with Client Managers or Relationship Managers to structure idea pitches.
– With Client Manager or Relationship Manager, perform relationship reviews to determine appropriateness and competitiveness of credit package.
– Train Credit Products associates, as instructed by Credit Products Officer or Manager.
– Identify cross-sell opportunities.
– Call on key clients and prospects as necessary and in concert with the Client Strategy.
– Travel as necessary.
– This position requires a bachelor’s degree in business administration with emphasis in management, accounting, finance, or a related field. Work experience may substitute for education requirement.
– 2-3 years of related experience in Credit/Underwriting preferred.
– Required – None Required.
– Preferred – None Preferred.
Preferred experience with Large Corporate or Large Middle Market credit risk underwriting experience within a corporate or commercial banking environment
Analytical orientation, critical thinking skills and autonomous decision making ability
Strong communication and business writing skills
Undergraduate degree in Finance or Accounting; MBA is a positive but is not required
Proficiency in Spanish a plus
At BBVA, we believe that having a team made up of people with different ways of viewing the world and of taking on each challenge makes us a better bank. That is why we actively support diversity and inclusion, and we invite you to apply, regardless of your race, gender, age, sexual orientation, country of origin, experience, studies, etc.
We nurture a collaborative and inclusive work environment that enables us to show and develop the best we each have to offer.
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 Compass, 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.
BBVA Compass, 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 ” ” & ” ” poster. BBVA Compass, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.
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