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ANALISTA ANALISIS GRANDES RIESGOS MADRID/BARCELONA
mid · Risk & Compliance
CaixaBank is a financial group with a socially responsible, long-term universal banking model, based on quality, trust, and specialisation, which offers a value proposition of products and services adapted for each sector, adopting innovation as a strategic challenge and a distinguishing feature of its corporate culture, and whose leading position in retail banking in Spain and Portugal makes it a key player in supporting sustainable economic growth.
Which projects do we work on?
The Area’s main projects and functions include:
- Assigning monitoring ratings to borrowers/economic groups within the individual analysis scope, using specialized segment- and sector-based analysis.
- Accounting classification of contracts, provision calculation, and proactive management of triggers for individually significant borrowers ("Single Names").
- Aligning individualized analysis and accounting treatment with BPI.
- Sector analysis. Preparing sector reports that provide a comprehensive view of the portfolio; identifying extraordinary events and analyzing their impact on portfolio credit quality.
- Periodic reporting to governing bodies and senior management. Preparing reports focused on areas of significant interest (top groups, top non-performing exposures, international branches, etc.).
- Forecasting NPL scenarios for the individual analysis scope.
- Participating in supervisory inspection processes.
- Managing external and internal audits related to individualized analysis.
- Evaluating and proactively managing regulatory changes; analyzing their impact on the credit portfolio and collaborating on the implementation of processes to ensure regulatory compliance.
Preparation of Major Risk Monitoring Reports:
- Review of key risks associated with companies/groups subject to individualized monitoring.
- Analysis of the economic and financial position of borrowers and preparation of sensitivity analyses.
- Analysis of the economic and sectoral environment to assess risk positioning.
- Determination of risk profiles for major borrowers, accounting classification, and impairment calculation.
- Opportunity to participate in special projects based on professional qualifications and proven experience.
Minimum requirements
- University degree in Economics or Business Administration; an MBA or similar qualification is a plus.
- Proficiency in spoken and written English.
- Professional experience in the field of Risk Management.
- Commitment to training and professional development.
- Analytical, rigorous, and synthesizing capabilities.
- Critical mindset; global and strategic view of the client.
- Enthusiasm, commitment, and dedication to the work.
- Teamwork capabilities and strong interpersonal skills.
What do we offer?
- Join the most innovative bank in Western Europe, as recognized by the "The Innovators" awards from the US magazine *Global Finance*.
- Onboarding program and personalized support for your professional development.
- Individual training path with access to our online platform, offering an extensive catalog of self-learning resources to foster your continuous growth.
- Comprehensive health insurance provided entirely free of charge. You will also be enrolled in the pension plan, to which CaixaBank makes contributions with your future in mind.
- Flexible remuneration options covering transport, training, language courses, childcare, and more.
- Flexibility measures (remote work, flexible start times).
- We hold Top Employer certification, recognizing us as one of the best companies to work for.