ASSOCIATE CREDIT PORTFOLIO ANALYSIS - MADRID

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.

Job profile

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