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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Risk Management, including the analysis of borrowers and economic groups, regulatory compliance, and the preparation of comprehensive sector reports. Proficient in financial analysis, reporting, and managing audits while maintaining a strategic view of credit quality.
Highest-signal resume keywords
Risk ManagementFinancial AnalysisRegulatory ComplianceSector ReportingAudit Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Economic AnalysisProvision CalculationImpairment CalculationSensitivity AnalysisNPL Forecasting
Soft Skills
Analytical CapabilitiesCritical MindsetTeamworkInterpersonal SkillsCommitment to Professional Development
Certifications & Qualifications
University Degree in EconomicsUniversity Degree in Business AdministrationMBA or Similar Qualification
Industry Keywords
Credit PortfolioMonitoring RatingsEconomic GroupsNon-Performing ExposuresMajor Risk Monitoring
About the role
Key responsibilities & impact- 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.
- Aligning individualized analysis and accounting treatment with BPI.
- 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.
- Analyzing the economic and financial position of borrowers and preparation of sensitivity analyses.
- Analyzing 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.
Requirements
What you’ll need- 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.
Benefits
Comp & perks- 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.