Your Day-to-Day Responsibilities
- Involvement in the process of prospecting companies and originating Corporate Lending business opportunities, performing initial credit analysis, negotiating deal terms and assisting during structuring and closing process.
- Development of commercial skills (impact and influence) for approaching corporate clients (C-level/Treasury), to develop strong long-term client relationships for the bank.
- Organize regular visits and pitches to attract potential new clients and increase brand awareness.
- Monitor the active credit portfolio, identifying client’s potential new needs and deciding on the most suitable way to serve the different demands.
- Originate business opportunities for other areas/products of the bank, providing a “one-stop shop” service for the client, with the objective of improving client coverage and increasing revenues and cross sell for the bank.
- Develop critical thinking for the initial evaluation of business opportunities, enhancing knowledge about economic sectors, understanding financial statements and cash flow projections, to efficiently prospect business opportunities and ensure accuracy while introducing them internally.
- Interact actively with the different teams involved on a new business opportunity (Product, Risk, Legal, Compliance and Operations) to maximize efficiency during analysis, approval and execution process (structuring, credit analysis, preparation of credit committees’ memos, discussion of legal documentation, onboarding and transaction execution).
- Assist on the day-to-day demands from active credit portfolio clients: disbursement of funds, guarantee control, resolution of registration issues, waivers, etc.
- Monitor commercial negotiations, participating in credit calls and meetings with clients, negotiating drafts and preparing commercial proposals.
- Track commercial activity of the Corporate Lending platform: disbursed operations, pipeline and prospects.
- Monitor exposure balances and results generated by corporate clients across the different products and track performance towards established goals.
- Ensure the active monitoring and reporting of any corporate risks on the portfolio (identify any risk deterioration and report any relevant news/information).
- Completed higher education (preferably in Engineering, Economics, or Business Administration).
- Relevant working experience within credit markets in Corporate Banking, Private Debt, Direct Lending or PE.
- Knowledge of Iberian mid/large corporate market (having existing relationships a plus).
- High analytical capacity and critical thinking combined with great commercial skills.
- Ability to assess and initiate things independently, self-learn and develop strong internal relationships to ensure efficient teamwork.
- Capacity to concentrate, organize tasks, analyze information and take decisions under a fast-paced working environment.
- Proficiency in MS Office (PowerPoint and Excel, mainly) and advanced knowledge of accounting.
- Fluent in Spanish and English (Portuguese a plus).
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