{"id":2900651,"url":"https://alion.io/job/bbva-credit-risk-specialist","title":"Credit Risk Specialist","company":{"id":41135,"name":"BBVA","domain":"bbva.com","url":"https://alion.io/company/news-bbva","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"A","score":88,"open_postings":6,"ghost_share":0,"stale_share":0.667,"repost_share":0,"time_to_fill_p50_days":14,"computed_at":"2026-10-21T05:46:15Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Zurich, Switzerland"],"countries":["CH"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":81000,"max_usd":183000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":7105},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Office","optional":false},{"name":"Outlook","optional":false}],"status":"live","first_seen_at":"2026-10-14T00:00:00Z","employer_posted_date":"2026-10-14","last_verified_at":"2026-10-20T23:52:20Z","board_verified":true,"closed_at":null,"days_open":7,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":7},"description":"Excited to grow your career?\nBBVA 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.\nAt 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.\nFor 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.\nYet, 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.\nJoining 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.\nBBVA is a Spanish bank with its Swiss offices located in Zürich.\nAbout the job:\nProvide 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.\nFunctions (duties and responsibilities):\nPrepare, review and control credit operations.\nPrepare and present credit proposals for higher-risk transactions to the relevant credit committee.\nContinuously monitor Lombard lending positions, identify emerging risks and resolve issues promptly to prevent or minimize losses.\nPrepare and submit risk reports to BBVA headquarters.\nAdvise and train Relationship Managers on Lombard credit operations, requirements and risk considerations.\nAnalyze financial products and assign, review and update their lending values.\nManage credit-related accounting and operational entries across Avaloq, SWIFT applications and other internal systems.\nCoordinate with Relationship Managers and Legal to issue guarantees and standby letters of credit (SBLCs).\nYour profile\nDegree in Business/Economics or equivalent\nMaster’s degree, post-graduate studies or equivalent higher education in numerical/analytical fields\nDeep understanding of Know-how in Credit analysis methodologies\nCollateral management, Margining frameworks, Portfolio risk management, Counterparty risk assessment…)\nAt least 5 years of work experience in Risk control functions \nOrganizational skills and the ability to manage tasks simultaneously\nAnalytical and research skills and ability to review and interpret large amounts of data\nAbility to synthesize key issues and themes\nOutstanding analytical, comprehension and problem-solving skills\nExcellent attention to detail and high level of accuracy\nAbility to challenge business proposals constructively\nMotivated, flexible and team work\nProficient knowledge of the MS Office package (especially excel)\nFluent in Spanish and English\nWe offer you to join our highly motivated team and work in an international and dynamic environment.\nDoes this sound interesting to you? We are looking forward to receiving your application!\nSkills:\nAnalytical Thinking, Credit Proposals, Credit Risks, Detail-Oriented, English Language, Prioritization, Risk Reporting, Spanish Language, Teamwork","description_format":"text","description_chars":4316,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[{"language":"Spanish","level":"Advanced (C1)","optional":false},{"language":"English","level":"Advanced (C1)","optional":false}]},"benefits":["Continuous learning"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks","Wealth Management & Financial Advisors","Investment Banking & M&A Advisory","Digital Banks & Neobanks"],"lifecycle":[{"event":"open","at":"2026-10-20T06:09:52Z"}],"visa":[],"liveness":{"score":79,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.874,"p_room":0.9,"age_days":7,"expected_fill_days":14,"reasons":["conf:5","velocity","win:mid","comp:brand"],"computed_at":"2026-10-21T05:46:15Z"},"pay":null,"html_url":"https://alion.io/job/bbva-credit-risk-specialist","json_url":"https://alion.io/job/bbva-credit-risk-specialist.json","meta":{"generated_at":"2026-10-21T09:44:26Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":13841,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-22T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":41135},"rest":"https://alion.io/mcp/rest/get_company?id=41135"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fbbva-credit-risk-specialist"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fbbva-credit-risk-specialist"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fbbva-credit-risk-specialist"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/bbva-credit-risk-specialist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fbbva-credit-risk-specialist"}]}