Job Summary: Analyst in the Large Risk Monitoring Department to comprehensively analyze specific portfolios, estimate accounting impairment, and manage client risk. Key Highlights: 1. Comprehensive analysis of specific portfolios and proactive trigger management. 2. Participation in supervisory inspections and external/internal audits. 3. Being part of the most innovative bank in Western Europe. BARCELONA, B, ES, 08028 CaixaBank is a financial group with a long-term vision, socially responsible universal banking model built on quality, proximity, and specialization. It offers a tailored value proposition of products and services for each segment, embracing innovation as a strategic challenge and a distinctive feature of its culture. Its leading position in retail banking in Spain and Portugal enables it to play a key role in contributing to sustainable economic growth. What projects do we develop? The purpose of this recruitment is to fill a vacancy for an Analyst in the Large Risk Monitoring Department – Specialized Financing, reporting to the Corporate Risk Management and Compliance Directorate (9306\). Location: Central Services in Barcelona or Manoteras in Madrid. Responsibilities and projects we develop: The Large Risk Monitoring Department’s main projects and functions include: * Comprehensive analysis of specific portfolios, both quantitative and qualitative, to determine the credit risk profile of projects. * Estimating potential accounting impairment for individually significant borrowers (Single Names). * Managing and monitoring triggers for proactive handling and tracking of individually significant borrowers (Single Names). * Analyzing and monitoring impacts arising from specific events, regulatory changes within the sector, and portfolio-specific developments. * Delivering high-level presentations to senior management and supervisory bodies. * Participating in supervisory inspection processes, as well as managing external and internal audits related to individualized analysis. * Proactive evaluation and management of regulatory changes. Impact analysis on the loan portfolio and collaboration in implementing processes that support regulatory compliance. * Monitoring information systems to maintain, improve, and develop new projects related to large borrower and Single Name monitoring. Minimum Requirements * University degree in Economics, Business Administration and Management, or Engineering. An MBA, FRM, or equivalent qualification will be valued. * Minimum professional experience in risk management, preferably in Specialized Financing. * Analytical, synthetic, and decision-making capabilities. * Ability to interpret financial models and perform sensitivity analyses by adjusting various variables. * Fluent spoken and written English. * Commitment to training and professional development. * Critical thinking, global and strategic customer orientation. * Enthusiasm, commitment, and dedication to work. * Teamwork capability with interpersonal skills and ability to cooperate with other teams and related areas. Key Competencies * Skills to conduct specific portfolio and associated data analysis—both quantitative and qualitative—and deliver high-level presentations to senior management and supervisory bodies. * Advanced user of Microsoft Office, especially Excel and PowerPoint. * Knowledge of risk management, particularly in Specialized Financing. What do we offer? * The opportunity to join the most innovative bank in Western Europe, as recognized by Global Finance magazine’s “The Innovators” awards. * A personalized onboarding and mentoring program to support your professional development. * An individualized training pathway with access to our online platform, offering an extensive catalog of self-learning resources to foster your continuous growth. * A comprehensive, fully free health insurance plan for you. In addition, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions with your future in mind. * Flexible compensation applicable to transportation, training, languages, childcare, among others. * Flexibility measures (remote work, flexible start times). * Top Employer certification, recognizing us as one of the best companies to work for. Job Profile They are responsible for managing the risk of assigned clients/segments, performing financial transaction analysis and monitoring activities, applying methods, systems, and tools for risk assessment and compliance with defined risk control requirements, in accordance with the entity’s policies and current external regulations, based on profitability/risk and institutional suitability. Competencies **HARD SKILLS** ANTI-MONEY LAUNDERING, COUNTER-TERRORIST FINANCING, AND FRAUD POLICIES AND PROCEDURES SECTORAL ANALYSIS BANKING ENVIRONMENT REGULATIONS AND REGULATORY FRAMEWORK RISK ADMISSION ANALYSIS DEBT REFINANCING AND RESTRUCTURING ACCOUNTING CLASSIFICATION AND PROVISION DETERMINATION BANKING AND/OR FINANCIAL PRODUCTS AND SERVICES MARKET, LIQUIDITY, AND INTEREST RATE RISKS RISK PROCESSES, POLICIES, AND OPERATIONS REPORT PREPARATION AND MANAGEMENT RISK MANAGEMENT SYSTEMS / TOOLS MONITORING RATING INFORMATION AND DATA LITERACY CREDIT RISK PROFITABILITY ANALYSIS**SOFT SKILLS** ALLIANCES – COLLABORATION AND CROSS-FUNCTIONALITY ALLIANCES – COMMUNICATION ALLIANCES – INFLUENCE ALLIANCES – CUSTOMER ORIENTATION HUMANISM – COMMUNICATION AND EMPATHY HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT EMPOWERMENT – RESULTS ORIENTATION DIVERSITY – PROMOTING DIVERSITY