MADRID, B, ES, 08028 CaixaBank is a financial group with a socially responsible universal banking model focused on long-term vision, based on quality, proximity, and specialization, offering a tailored value proposition of products and services for each segment, embracing innovation as a strategic challenge and a distinctive feature of its culture, and whose 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? We are launching a selection process to hire an Analyst for the Credit Portfolio Analysis team within Corporate & Investment Banking Solutions. The level of sophistication of the projects and financial transactions with this corporate segment requires participation in the study and approval of each transaction by teams that bring solid technical preparation, analytical capacity, and sound judgment in risk assessment. This position represents an excellent opportunity for professionals with a clear orientation and interest in the large corporate segment and the possibility of professional development in this area. Responsibilities: * Analyze, prepare, and draft credit proposals, assessing purpose, solvency, repayment capacity, as well as analyzing and monitoring overall customer profitability, verifying compliance with negotiated compensation, capital consumption, RAR, etc. A significant portion of reports are prepared in English. * Visit clients to gain deeper insight into their business activities, financial situation, and needs. * Coordinate with commercial teams, Structured Finance, Project Finance, Rating Unit, Monitoring, and others. * Interact with Risk areas of SSCC. Minimum Requirements * Minimum of three to five years of experience as a corporate or enterprise risk analyst. * Preferably a degree in Economics, Business Administration, or Engineering. Master's or postgraduate studies will be valued. * Fluent spoken and written English; knowledge of additional languages is an advantage. * Proficiency in credit risk analysis techniques for companies. Ability to work with financial models and cash flow analysis. * Expert-level Excel skills, proficiency in PowerPoint and other computer tools. * Solid understanding of corporate banking, internal company operations, and corporate financing. * Strong analytical ability, rigor, methodical work approach, and strategic vision. * Willingness and ability to interact with clients. * Perseverance, enthusiasm, commitment, and teamwork. What do we offer? * The opportunity to join the most innovative bank in Western Europe, according to the 'The Innovators' awards by the U.S. magazine Global Finance. * Onboarding program and personalized mentoring for your professional development. * Individual training path with access to our online platform, which offers an extensive catalog of self-learning resources to support your continuous growth. * Comprehensive health insurance fully covered at no cost to you. Additionally, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions for your future. * Flexible compensation applicable to transportation, training, language courses, 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. Job profile Comprehensive management of the asset business analysis within CIB IB. Organized by sector, performs the role of Risk Analyst providing a clear commercial perspective, coordinating with CIB IB commercial and product teams and Risk departments. Credit risk analysis across various CIB business areas (Corporate, FFEE, PF, AF, Factoring, Treasury...). Acts as a liaison between clients, Business, Risk, and other SSCC departments. Identifies investment/business opportunities within managed sectors and groups. Monitors and analyzes overall client/group profitability, capital consumption, and RAR. Advises International Banking on analysis, risk management, and RAR. Competencies **HARD SKILLS** RISK CONSULTING CLIENT AND SECTOR KNOWLEDGE DEBT REFINANCING AND RESTRUCTURING CIB PRODUCTS RISK ANALYSIS, PREVENTION, AND MANAGEMENT REGULATIONS AND COMPLIANCE RISK PROCESSES, POLICIES, AND OPERATIONS PROFITABILITY AND RISK-ADJUSTED RETURN (RAR) COMMUNICATION AND NEGOTIATION SKILLS PROACTIVE ANTICIPATION AND IDENTIFICATION OF COMMERCIAL OPPORTUNITIES FINANCIAL MODELING ENTERPRISE RISK ACCEPTANCE 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 – FOCUS ON RESULTS DIVERSITY – PROMOTION OF DIVERSITY