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Job Summary: CaixaBank is seeking a Risk Analyst to monitor large exposures, participating in comprehensive portfolio analysis, accounting impairment estimation, and regulatory impact management. Key Responsibilities: 1. Comprehensive portfolio analysis and credit profile assessment of projects. 2. Monitoring of triggers and follow-up of significant borrowers. 3. Participation in supervisory inspections and audit management. BARCELONA, B, ES, 08028 CaixaBank is a financial group operating a socially responsible universal banking model with a long-term vision, grounded in quality, proximity, and specialization. It delivers a tailored value proposition of products and services for each segment, embracing innovation as a strategic challenge and a defining trait 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? This recruitment aims to fill a vacancy for an Analyst within the Large Exposures Monitoring – Specialized Financing department, 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 Exposures Monitoring department’s main projects and functions include: * Comprehensive analysis of specific portfolios, both quantitative and qualitative, to determine the risk credit profile of projects. * Estimation of potential accounting impairment for individually significant borrowers (Single Names). * Management and monitoring of triggers for proactive handling and follow-up of individually significant borrowers (Single Names). * Analysis and monitoring of impacts arising from specific events, sector-specific regulatory changes, and portfolio-specific developments. * Preparation and delivery of high-level presentations to senior management and supervisory bodies. * Participation in supervisory inspection processes, as well as management of external and internal audits related to individualized analysis. * Proactive evaluation and management of regulatory changes; impact analysis on the credit portfolio; and collaboration in implementing processes supporting regulatory compliance. * Monitoring through information systems to maintain, enhance, 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 continuous learning and professional development. * Critical thinking, global perspective, and strategic client orientation. * Enthusiasm, commitment, and dedication to work. * Teamwork capability, interpersonal relationship skills, and ability to cooperate with other teams and related areas. Key Competencies * Ability to conduct portfolio-specific 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? * Opportunity to join the most innovative bank in Western Europe, as recognized by Global Finance magazine’s The Innovators awards. * Onboarding program and personalized mentoring to support your professional development. * Individualized training pathway with access to our online platform, offering an extensive catalog of self-paced learning resources to foster your continuous growth. * Comprehensive, fully free health insurance for you. Additionally, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions—thinking ahead to your future. * 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 risk for 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—aligned with the entity’s policies and applicable external regulation—based on profitability/risk trade-offs and the entity’s interests. 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 FOLLOW-UP RATING INFORMATION AND DATA LITERACY CREDIT RISK PROFITABILITY ANALYSIS**SOFT SKILLS** ALLIANCES – COLLABORATION AND CROSS-FUNCTIONALITY ALLIANCES – COMMUNICATION ALLIANCES – INFLUENCE ALLIANCES – CLIENT ORIENTATION HUMANISM – COMMUNICATION AND EMPATHY HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT EMPOWERMENT – RESULTS ORIENTATION DIVERSITY – PROMOTING DIVERSITY
