JUST ONE is an international recruitment and executive search agency that provides specialized talent acquisition services across various industries, including pharmaceuticals, FMCG, technology, and finance. Founded in Greece, the firm operates as a strategic partner for multinational corporations, focusing on identifying high-level professionals and specialized technical talent for complex organizational needs.

In Spain, JUST ONE maintains a strong presence with a focus on the Madrid and Barcelona markets. The agency is particularly relevant for international professionals as they manage recruitment for numerous multinational clients in Spain, frequently seeking candidates with multilingual skills and global experience for roles ranging from engineering to executive management.

Founded in 2013 in Athens, JUST ONE has grown from a local recruitment firm into an international executive search agency. It has expanded its footprint to support multinational clients across Europe, particularly in the Mediterranean region.

For international professionals

Specializes in recruitment for multinational companies operating in Spain, often a gateway for international hires.
Frequently lists roles requiring high proficiency in English, French, and other European languages.
Active in high-demand sectors such as Pharma, FMCG, and Digital Technology within the Spanish market.
Provides executive search services, making them a key contact for senior-level professionals relocating to Spain.

This job was published 3 months ago

Credit Risk Analyst (French & English) - International Banking Group

JUST ONE | Recruitment & Executive Search agency

This job was originally posted in Spanish and automatically translated to English. You'll most likely need Spanish to apply.

Job Description

Job Description

Our client, one of the largest banking groups in Europe, is looking to recruit a Credit Risk Analyst to strengthen its Risk team within a demanding international banking environment.
The selected person will actively participate in the analysis, evaluation, and decision-making of financing operations, adhering to internal risk policies and contributing to decision-making in Credit Committees.

Main Responsibilities

Within the framework of compliance with internal procedures, the Risk Analyst will be responsible for:

Risk analysis of credit, leasing, and renting operations, for both individuals and companies.
Study of the viability of requests in accordance with internal risk standards.
Verification of the completeness and conformity of documentation, in direct coordination with commercial teams.
Conducting a detailed financial analysis to evaluate counterparty risk and, where applicable, the valuation of guarantees and the financed asset.
Preparation and drafting of credit files, including conclusions and recommendations.
Decision-making on operations within the assigned delegation level or presentation of files to the Credit Committee.
Active participation in Credit Committees, presenting recommendations.
Review and validation of internal risk ratings.
Monitoring counterparties under surveillance and drafting opinions within the framework of quarterly Watchlist Committees.

Requirements

Required Profile

Higher degree in Finance, Economics, Business Administration, or similar.
Minimum of 2 years of experience in a similar credit risk analysis position.
Solid knowledge of financial analysis, ideally in asset financing, leasing, real estate financing, and/or project finance (renewable energies).
Capacity for critical analysis and contradiction, with a strong orientation toward risk quality.
Excellent synthesis and writing skills for risk reports.
Autonomy, rigor, proactivity, and the ability to meet demanding deadlines.

Languages

English: upper-intermediate essential (B2-C1)
French: upper-intermediate essential (B2-C1)

Benefits

Joining a large international banking entity.
Dynamic, demanding environment with a high technical level.
Direct participation in strategic risk decisions.
Professional development opportunities and internal growth.
Meal vouchers (11 net euros per day, except Fridays, July, and August).
Medical and Life Insurance for the employee.
Remote work (2 remote days per week / 10 days per month).
Monday to Thursday schedule from 9:00 to 18:00 and Friday from 9:00 to 14:00. Intensive workday in July and August (8:00 to 15:00).
26 vacation days.

View original advert (Spanish)

Descripción del puesto

Nuestro cliente, uno de los grupos bancarios más grandes de Europa, busca incorporar un/a Analista de Riesgo de Crédito para reforzar su equipo de Riesgos dentro de un entorno bancario internacional y exigente.
La persona seleccionada participará activamente en el análisis, evaluación y decisión de operaciones de financiación, respetando las políticas internas de riesgo y contribuyendo a la toma de decisiones en los Comités de Crédito.

Funciones principales

En el marco del cumplimiento de los procedimientos internos, el/la Analista de Riesgo será responsable de:

Análisis del riesgo de operaciones de crédito, leasing y renting, tanto de particulares como de empresas.
Estudio de la viabilidad de las solicitudes conforme a las normas internas de riesgo.
Verificación de la completitud y conformidad de la documentación, en coordinación directa con los equipos comerciales.
Realización de un análisis financiero detallado para evaluar el riesgo de contraparte y, en su caso, la valoración de las garantías y del bien financiado.
Preparación y redacción de los expedientes de crédito, incluyendo conclusiones y recomendaciones.
Toma de decisión de las operaciones dentro del nivel de delegación asignado o presentación de los expedientes al Comité de Crédito.
Participación activa en los Comités de Crédito, con presentación de las recomendaciones.
Revisión y validación de las notaciones internas de riesgo.
Seguimiento de las contrapartes bajo vigilancia y redacción de opiniones en el marco de los Comités Watchlist trimestrales.

Requirements

Perfil requerido

Titulación superior en Finanzas, Economía, ADE o similar.
Experiencia mínima de 2 años en un puesto similar de análisis de riesgo de crédito.
Sólidos conocimientos en análisis financiero, idealmente en financiación de activos, leasing, financiación inmobiliaria y/o project finance (energías renovables).
Capacidad de análisis crítico y contradicción, con fuerte orientación a la calidad del riesgo.
Excelente capacidad de síntesis y redacción de informes de riesgo.
Autonomía, rigor, proactividad y capacidad para cumplir plazos exigentes.

Idiomas

Inglés: medio-alto imprescindible (B2-C1)
Francés: medio-alto imprescindible (B2-C1)

Benefits

Incorporación a una gran entidad bancaria internacional.
Entorno dinámico, exigente y de alto nivel técnico.
Participación directa en decisiones estratégicas de riesgo.
Oportunidades de desarrollo profesional y evolución interna.
Cheques comida (11 euros netos al día, menos los viernes, julio y agosto).
Seguro Médico y Seguro de Vida para el Empleado.
Teletrabajo (2 días de teletrabajo por semana /10 días al mes).
Lunes a Jueves horario de 9 a 18 y Viernes de 9 a 14. Jornada intensiva julio y agosto (8 a 15h).
26 dias de vacaciones.