About the job:

The Wholesale Risk Senior Manager II at BBVA is responsible for overseeing and managing significant aspects of the wholesale credit risk portfolio. This role involves developing, implementing, and monitoring risk management strategies, policies, and procedures to ensure the effective identification, assessment, and mitigation of credit risks associated with corporate and institutional clients.

Job Responsibilities

• Lead and manage a team of risk professionals, providing guidance, mentorship, and performance evaluations.

• Develop and implement robust wholesale credit risk frameworks, policies, and procedures in line with regulatory requirements and internal risk appetite.

• Conduct in-depth credit analysis of complex corporate and institutional clients, including financial statement analysis, industry trend assessment, and business model evaluation.

• Monitor and manage the wholesale credit portfolio, identifying emerging risks, concentrations, and potential areas of concern.

• Participate in credit committees and present comprehensive risk assessments and recommendations for credit proposals.

• Collaborate with front-office teams, legal, and other relevant departments to structure and execute complex transactions while ensuring appropriate risk mitigation.

• Oversee the development and maintenance of risk models and tools for wholesale credit assessment and portfolio management.

• Prepare regular risk reports and presentations for senior management and regulatory bodies, highlighting key trends, exposures, and risk management initiatives.

• Stay abreast of industry best practices, regulatory changes, and economic developments impacting wholesale credit risk.

• Drive continuous improvement initiatives within the wholesale risk function, including process optimization and technology enhancements.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field. Master's degree or CFA designation preferred.

• Minimum of 8-10 years of progressive experience in wholesale credit risk management within a financial institution, with at least 3-5 years in a leadership or senior management role.

• Demonstrated expertise in corporate credit analysis, financial modeling, and risk assessment methodologies.

• Strong understanding of various wholesale products and services, including corporate lending, trade finance, and capital markets.

• In-depth knowledge of relevant banking regulations (e.g., Basel Accords, local regulatory frameworks) and their implications for wholesale risk management.

• Excellent analytical, problem-solving, and decision-making skills.

• Proven leadership and team management abilities, with a track record of developing and motivating high-performing teams.

• Exceptional communication and interpersonal skills, with the ability to effectively articulate complex risk concepts to diverse audiences.

• Proficiency in risk management software and financial analysis tools.

• Fluency in English is required; proficiency in Spanish is a significant advantage.

Skills:

Client Orientation, Empathy, Ethics, Innovation, Proactive Thinking