Associate Director - Credit Risk en BTGPactual International

Position overview:

This position focuses on the credit risk assessment of corporate clients and the ongoing monitoring of the assigned credit portfolio, covering exposures in Spain and across Europe. The role involves active participation in the processes of analysis, recommendation, and follow-up of credit transactions, with a comprehensive view of client exposure and performance under coverage.

Day-to-day responsibilities:

• Perform detailed financial and sector analysis, including review of balance sheets, income statements, cash flow projections, and key ratios, to assess the counterparty’s creditworthiness and risk profile.
• Prepare credit memos and recommendations for Risk Committees, focusing on risk rationale, contractual terms, collateral, and control metrics.
• Be actively involved throughout the credit process, including client contact, site visits, credit evaluation, case presentation, review and negotiation of credit agreements, etc.
• Conduct active monitoring of the credit portfolio, through periodic reviews of:
• Financial information reported by clients.
• Compliance with financial and non-financial covenants.
• Status of guarantees, contractual obligations, and relevant events.
• Identify early warning signs of credit deterioration and propose preventive or corrective actions.
• Prepare periodic reports for internal and external stakeholders (business, risk, audit, or regulators), including portfolio analysis, performance tracking, deviations, and alerts.

What we expect from you:

• University degree completed, preferably in Finance, Economics, Engineering, or Business Administration.
• Prior experience in credit analysis, risk management, corporate banking, consulting, or financial auditing.
• Strong analytical skills, attention to detail, and sound judgment in risk evaluation.
• Proficiency in financial tools, especially Microsoft Excel.
• Fluent English.
• Proven experience in the Spanish market.
• Proactive attitude and ability to work effectively in demanding, results-driven environments and collaborative teams.