Corporate Credit Analyst

BFF Bank S.p.A. is a banking institution with approximately 40 years of experience in the market, listed on the Italian Stock Exchange and continuously growing and expanding. It is Italy's largest operator in specialized finance and a leading player in Europe in the management and non-recourse factoring of trade receivables owed by Public Administrations. The Group is also a market leader in Italy in the Securities Services and banking payments businesses.

To strengthen our internal team, we are looking for a:

Corporate Credit Analyst

You will join the Credit Evaluation function, reporting directly to the relevant Manager.

You will have the opportunity to develop specialist expertise in the analysis and structuring of credit facilities for Corporate counter parties, gaining in-depth exposure to credit risk assessment dynamics and credit approval processes.

• Assess the creditworthiness of opportunities originated by the Commercial function through financial statement analysis, cash flow evaluation, review of the Bank of Italy Central Credit Register, and the use of external credit reports and information providers.
• Structure credit solutions consistent with the counter party's risk profile and internal policies, including facility type, tenor, guarantees, and control mechanisms.
• Liaise with the Commercial function to define the information set required for a comprehensive and informed credit approval process.
• Support the development of new products and the enhancement of credit risk assessment methodologies.
• Manage non-standard or complex transactions, preparing credit memoranda and presenting them to Committees and decision makers, highlighting opportunities, risk drivers, and mitigating factors.

• At least 3
  years of experience in credit analysis and creditworthiness assessment of Mid-Cap and Corporate counter parties.
• Strong analytical thinking, synthesis, and presentation skills when interacting with internal stakeholders.
• Excellent proficiency in Microsoft Office, particularly Excel (data analysis) and Power Point (reporting and presentations).
• Good command of English
  , both written and spoken, including report writing.
• High levels of accuracy, organizational skills, problem-solving abilities, and attention to detail.
• The ability to maintain objectivity in credit assessments, clearly distinguishing documented evidence from subjective evaluations.
• A strong motivation to actively contribute to the evolution of credit risk assessment methodologies and processes.

• Experience in the Factoring industry.
• Knowledge of credit assessment relating to Public Administrations
  .
• Basic programming knowledge.

• A stimulating and challenging work environment with significant growth opportunities and a strong learning culture.
• Permanent employment contract.
• Hybrid working model.
• Meal vouchers provided both for office-based and remote working days.
• Performance-based incentive system.
• Supplementary health insurance.

Location:

Madrid

At BFF Bank S.p.A., we are committed to ensuring that every individual has access to equal opportunities and fair treatment. Everyone is assessed based on their value, skills, and merits, regardless of ethnicity, age, gender, disability, or any other characteristic (such as marital or parental status) that could constitute a discriminatory factor. This approach enables the Group to attract, develop, and retain the best talent.

BFF promotes an inclusive working environment based on the principles of equal opportunity and the enhancement of diversity.

* Personal data is processed by BFF Bank S.p.A., acting as Data Controller, for the purpose of managing your application through personnel authorized to process such data. For further information regarding the processing of your personal data, please refer to the privacy notice pursuant to Article 13 of Regulation (EU) 2016/679, available at the following link or on the Data Controller's website: