Associate Credit Portfolio Analysis

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.

Job profile

Integral management of the analysis of CIB IB's asset business. Organized by sector, develops the work of Risk Analyst providing a clear commercial vision, in coordination with the commercial and product teams of CIB IB and the Risk departments. Credit risk analysis for the different CIB business areas (Corporate, FFEE, PF, AF, Factoring, Treasury...). Liaison between clients, Business, Risk and other SSCC departments. Identification of investment/business opportunities of managed sectors and groups. Monitoring and study of overall profitability of each client/group, capital consumption and RAR. Advice to International Banking on analysis, risk management and RAR.

Skills

H RISK ADVISORY SERVICES

H KNOWLEDGE OF CUSTOMERS AND SECTORS

H DEBT REFINANCING AND RESTRUCTURING

H CIB PRODUCTS

S.1.1 ALLIANCES – COLLABORATION AND TRANSVERSALITY

S.1.4 ALLIANCES – COMMUNICATION

S.1.3 ALLIANCES – INFLUENCE

S.1.2 ALLIANCES – CUSTOMER ORIENTATION

S.2.1 HUMANISM – COMMUNICATION AND EMPATHY

S.2.2 HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP

S.4.1 ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT

H OPERATIONS, RISK, AND SECURITIES POLICIES AND PROCEDURES

H PROFITABILITY AND RISK-ADJUSTED PROFITABILITY (RAR)

S.3.1 EMPOWEREMENT – FOCUS ON RESULTS

H COMMUNICATION AND NEGOTIATION SKILLS

S.5.1 DIVERSITY – PROMOTING DIVERSITY

H ANTICIPATION AND PROACTIVE IDENTIFICATION OF BUSINESS OPPORTUNITIES

H FINANCIAL MODELS

H ANALYSIS OF CORPORATE RISK ACCEPTANCE ANALYSIS

H CHANGE MANAGEMENT

H SUSTAINABLE FINANCE AND ESG (ENVIRONMENTAL, SOCIAL, GOVERNANCE)

H DIGITAL TRANSFORMATION

H AI AGENTS & AUTONOMOUS SYSTEMS

H AI LITERACY