Credit Risk Review Vice President

Summary

The candidate will conduct independent credit reviews to ensure compliance with Bank policies and procedures as well as adherence with regulatory guidelines. The ideal candidate will possess the ability to identify and communicate credit risk management weaknesses; as well as effectively challenge internal and regulatory risk ratings where appropriate.

Responsibilities

• Perform independent, objective and timely assessment of credit risk ratings and credit risk management process. Identify deficiencies and/or areas of improvement in credit risk procedures and policies and recommend corrective actions where necessary.
• Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet, capital structure analysis and all base as well as stress-scenario financial projections as required.
• Maintain in-depth knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring. Proactively recommend changes to policies and procedures as needed
• Able to articulate verbal and well written supported opinions of process, procedure and credit risk to senior management to effectively challenge internal risk ratings where appropriate to effectively challenge internal risk ratings where appropriate.
• Demonstrate a commitment to quality and attention to detail and is accountable for consistency of work products.

Qualifications

• Bachelor’s degree Bachelor’s degree in Accounting, Finance, Business, or equivalent field
• Minimum 4 year’s credit risk review experience within 10 years combined credit risk experience.
• Strong knowledge of Commercial lending and credit analysis with proven experience in corporate, syndicated and leveraged loans.
• Critical thinking and problem-solving skills.
• Advance Excel skills and experience.
• Technical Google skills for data analysis.
• Ability to work independently, accept accountability and demonstrate initiative.
• Must be able to prioritize and organize assignments and meet strict deadlines
• Effective communication skills for presenting credit opinions and concerns challenging risk owners and managers.
• Ability and willingness to articulate verbal, well-written, and supported credit review opinions

With respect to this position in our New York Office, the expected base salary ranges from $150,000 to $170,000. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

*Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions