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.



At
BBVA we are leading the transformation of banking worldwide, united in pursuing our goal of supporting your drive to go further. Firmly focused on the future, our on-going digital transformation is already producing disruptive innovations that power our vision of banking. Building on 160 years of history we know the importance of constant development, which is why we place so much confidence in the collaborative working environment that enables our people to grow and excel.



For over 50 years,
BBVA in Switzerland has been helping clients manage their wealth with a global outlook, Swiss precision, and a philosophy that blends tradition with innovation. From Zurich to the world, we provide tailored solutions for those who value both strategy and trust.



Yet, our greatest strength lies in our people: an international, diverse, and highly skilled team that combines financial expertise with a digital mindset and innovative spirit. Continuous learning, cross-cultural collaboration, and career growth that makes a real impact in our clients' lives drive everything we do, shaping both the way we work and the opportunities we create for our team.



Joining
BBVA in Switzerland means being part of a global bank, working on pioneering projects in private and digital banking, and growing within a culture that listens, evolves, and strives to make a difference.



BBVA is a Spanish bank with its Swiss offices located in Zürich.




About the job:



Provide independent credit risk expertise and end-to-end oversight of the Lombard lending portfolio, including loans, credit facilities and guarantees secured by assets held with the bank. The role is responsible for assessing and structuring credit proposals, establishing appropriate collateral and lending parameters, monitoring exposures and margin requirements, and ensuring that credit decisions remain aligned with the bank's risk appetite, policies and regulatory standards.




Functions (duties and responsibilities):

• Prepare, review and control credit operations.

• Prepare and present credit proposals for higher-risk transactions to the relevant credit committee.

• Continuously monitor Lombard lending positions, identify emerging risks and resolve issues promptly to prevent or minimize losses.

• Prepare and submit risk reports to BBVA headquarters.

• Advise and train Relationship Managers on Lombard credit operations, requirements and risk considerations.

• Analyze financial products and assign, review and update their lending values.

• Manage credit-related accounting and operational entries across Avaloq, SWIFT applications and other internal systems.

• Coordinate with Relationship Managers and Legal to issue guarantees and standby letters of credit (SBLCs).

Your profile

• Degree in Business/Economics or equivalent

• Master's degree, post-graduate studies or equivalent higher education in numerical/analytical fields

• Deep understanding of Know-how in Credit analysis methodologies

• Collateral management, Margining frameworks, Portfolio risk management, Counterparty risk assessment...)

• At least 5 years of work experience in Risk control functions

• Organizational skills and the ability to manage tasks simultaneously

• Analytical and research skills and ability to review and interpret large amounts of data

• Ability to synthesize key issues and themes

• Outstanding analytical, comprehension and problem-solving skills

• Excellent attention to detail and high level of accuracy

• Ability to challenge business proposals constructively

• Motivated, flexible and team work

• Proficient knowledge of the MS Office package (especially excel)

• Fluent in Spanish and English

We offer you to join our highly motivated team and work in an international and dynamic environment.



Does this sound interesting to you? We are looking forward to receiving your application!




Skills:



Analytical Thinking, Credit Proposals, Credit Risks, Detail-Oriented, English Language, Prioritization, Risk Reporting, Spanish Language, Teamwork