Corporate Credit Analyst - Senior Vice President

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 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.

Overview :

Top European Bank with a strong and growing U.S. presence is seeking a highly experienced Senior Vice President (SVP) withing the Global Risk Management (GRM) unit. The SVP represents one of the Bank’s principal credit adjudication roles and is expected to exercise independent credit judgment across a broad range of corporate banking products, industries, and transaction structures.

The GRM unit is responsible for the independent underwriting of corporate clients, evaluating both counter parties and individual transactions prior to approval, while maintaining ongoing responsibility for monitoring portfolio risk throughout the life of each client relationship through periodic reviews, amendments, waivers, restructurings, and continuous assessment of evolving credit conditions.

Consistent with the Bank’s relationship-driven corporate banking model, the team underwrites all credit exposures arising from corporate client relationships rather than specializing in a single product. Accordingly, SPVs are expected to evaluate a broad range of financing and risk products and possess the versatility to support clients across multiple industry sectors as business needs evolve.

This position requires a seasoned credit professional with 10-20 years of experience capable of independently underwriting complex corporate borrowers, assessing transaction structures, interpreting legal documentation, and presenting well-supported recommendations to credit committees. Successful candidates should be able to transition across industry sectors as portfolio and business priorities require while maintaining consistent underwriting standards and sound credit judgment.

Responsibilities :

• Lead the independent underwriting and credit assessment of corporate clients across the full spectrum of relationship banking products, including cash flow-based corporate lending, revolving credit facilities, acquisition and leveraged finance, trade finance, structured finance, equipment finance, leasing structures, derivative transactions, and asset-based or borrowing base facilities, as applicable.
• Evaluate complex transaction structures by assessing repayment capacity, collateral, legal structure, counter party risk, and transaction-specific risks to determine overall creditworthiness.
• Perform comprehensive financial analysis, including historical performance, projected cash flows, liquidity, leverage, covenant capacity, sensitivity analyses, and downside stress scenarios.
• Review, interpret, and assess transaction documentation, including credit agreements, security documents, borrowing base provisions, trade finance documentation, leasing agreements, intercreditor agreements, ISDA Master Agreements, CSA documentation, guarantees, and other legal agreements relevant to the transaction structure.
• Present independent credit recommendations and risk opinions to senior management and Credit Committees, exercising sound judgment on complex and material credit decisions.
• Manage an assigned portfolio through ongoing monitoring, annual reviews, amendments, restructurings, waivers, and early identification of emerging credit risks.
• Collaborate closely with Relationship Managers, Product Specialists, Legal, Operations, and other stakeholders to ensure timely execution while maintaining independent credit judgment.
• Support underwriting needs across industry sectors as…