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ASSOCIATE CREDIT PORTFOLIO ANALYSIS - MADRID
mid · Corporate Finance
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?
Within Corporate & Investment Banking Solutions, we are launching a recruitment process to add an Analyst to the Credit Portfolio Analysis team.
The increasing sophistication of transactions and projects involving large national and international corporations demands professionals with a solid financial foundation, strong analytical skills, and excellent risk judgment.
This is a unique opportunity to join a highly specialized team, participating in the evaluation, structuring, and monitoring of complex transactions, with constant exposure to top-tier clients and key areas of Corporate & Investment Banking.
Additionally, the position offers a significant international component, requiring frequent interaction in English, both spoken and written.
Key responsibilities:
- Analyze, prepare, and draft credit proposals for large corporations, evaluating the purpose of the financing, client creditworthiness, and repayment capacity.
- Conduct advanced economic-financial analyses, financial modeling, and cash flow studies.
- Oversee and monitor overall client profitability, including capital consumption, RAR, negotiated offsets, and other value-creation indicators.
- Prepare documentation and executive reports, a significant portion of which will be entirely in English.
- Participate in client meetings and visits to gain a deeper understanding of their business, strategy, financial situation, and financing needs.
- Coordinate with teams specializing in Structured Finance, Project Finance, Ratings, Portfolio Monitoring, Risk, and other specialized areas of the bank.
- Maintain ongoing communication with corporate Risk departments, contributing to transaction approval and monitoring processes.
Minimum requirements
Education and Experience:
- Minimum of 3–5 years of experience in corporate risk analysis, corporate banking, or structured finance.
- University degree in Business Administration, Economics, Engineering, or related fields.
- Postgraduate training in Finance, Capital Markets, or Corporate Finance is highly valued.
- CFA (Chartered Financial Analyst) certification—or being in the process of obtaining it—is highly valued.
Technical Skills:
- Bilingual or equivalent level of English (C1/C2); essential for both oral and written communication.
- Proficiency in credit risk analysis techniques and financial valuation.
- Ability to build and interpret complex financial models and cash flow generation analyses.
- Advanced Excel skills and professional proficiency in PowerPoint and financial analysis tools.
- Extensive knowledge of the corporate banking business and various corporate financing solutions.
Competencias clave
• Strong analytical skills and critical thinking.
• Technical rigor and attention to detail.
• Ability to synthesize complex information and formulate sound recommendations.
• Ability to communicate effectively with clients, executives, and specialized internal teams.
• Proactivity, commitment, perseverance, and a team-oriented mindset.
• Interest in professional development within large corporations and investment banking.
We are seeking a candidate with technical excellence, a global financial perspective, and the ability to thrive in demanding international environments—where English is used daily and advanced financial training serves as a key differentiator.
What do we offer?
- Join the most innovative bank in Western Europe, according to 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 contributes with your future in mind.
- Flexible remuneration options covering transport, training, language courses, and childcare, among others.
- Flexibility measures (remote work, flexible start times).
- We hold the Top Employer certification, recognizing us as one of the best companies to work for.