MADRID ANALISTA ANALISIS GRANDES RIESGOS MADRIDBARCELONA M 28050

Location: 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. Job profile They are responsible for managing the risk of the assigned clients/segments, carrying out the analysis and monitoring activities of financial operations, applying the methods, systems and tools for the assessment and compliance with the risk control requirements defined in accordance with the framework of action established by the policies of the entity and the external regulation in force, based on the profitability/risk of the same and the convenience for the entity. Skills H ANTI-MONEY LAUNDERING, TERRORIST FINANCING, AND FRAUD POLICIES AND PROCEDURES H SECTORAL ANALYSIS H REGULATIONS AND RULES IN BANKING ENVIRONMENTS H RISK ACCEPTANCE ANALYSIS H DEBT REFINANCING AND RESTRUCTURING H ACCOUNTING CLASSIFICATION AND PROVISION DETERMINATION H BANKING AND/OR FINANCIAL PRODUCTS AND SERVICES H MARKET, LIQUIDITY, AND INTEREST RATE RISKS S.1.1 ALLIANCES – COLLABORATION AND TRANSVERSALITY S.1.4 ALLIANCES – COMMUNICATION S.1.3 ALLIANCES – INFLUENCE S.1.2 ALLIANCES – CUSTOMER ORIENTATION S.2.1 HUMANISM – COMMUNICATION AND EMPATHY S.2.2 HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP S.4.1 ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT H OPERATIONS, RISK, AND SECURITIES POLICIES AND PROCEDURES S.3.1 EMPOWEREMENT – FOCUS ON RESULTS S.5.1 DIVERSITY – PROMOTING DIVERSITY H REPORTING AND MANAGEMENT H RISK MANAGEMENT SYSTEMS/TOOLS H MONITORING QUALIFICATION H INFORMATION AND DATA LITERACY H CREDIT RISK H PROFITABILITY ANALYSIS