BBVA
Senior Manager/Manager – Structured Trade Finance Product Risk
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BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers, and designers.
About the Job
Role Overview
We are seeking a Senior Manager to join our Product Risk team within Corporate & Investment Banking. The role is responsible for the independent underwriting, approval, and ongoing monitoring of complex Structured Trade Finance transactions across EMEA, US, and other international markets.
The successful candidate will act as a senior risk partner to the Structured Trade Finance business, providing independent credit judgement, transaction structuring challenge, and portfolio oversight across a broad range of self-liquidating and asset-backed financing solutions.
Key Responsibilities
- Independently assess and approve Structured Trade Finance transactions, including prepayment finance, borrowing base facilities, inventory finance, insurance-backed trade receivable purchases, factoring, and other structured working capital solutions.
- Evaluate obligor, transaction, collateral, performance, and country risks, determining appropriate risk appetite, ratings, and transaction conditions.
- Challenge transaction structures, collateral arrangements, cash flow mechanics, insurance coverage, security packages, and legal documentation.
- Prepare recommendations for transactions requiring higher approval.
- Monitor the Structured Trade Finance portfolio, identifying emerging risks, collateral performance, sector concentrations, and early warning indicators.
- Partner with Origination, Structuring, Legal, and Distribution teams to develop commercially sound financing solutions while maintaining prudent risk standards.
- Contribute to product policies, underwriting standards, and governance for Structured Trade Finance.
- Present and defend recommendations before credit committees and senior management.
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Experience & Knowledge Required
- Extensive experience in Structured Trade Finance, Commodity Trade Finance, Structured Working Capital, or Credit Risk.
- Less than 7 years of experience can be considered for Manager position.
- Deep understanding of products including:
- Prepayment and Pre-export Finance (PXF)
- Borrowing Base Facilities
- Inventory Finance
- Trade Receivable Purchase Programmes
- Factoring and Receivables Finance
- Insurance-backed Trade Finance
- Transactional Security Structures
- Strong knowledge of collateral management, security perfection, cash flow waterfalls, and operational risk mitigants.
- Experience underwriting complex cross-border transactions under delegated credit authority.
- Knowledge of commodity markets, structured collateral arrangements, and trade credit insurance would be advantageous.
- Experience presenting transactions to senior credit committees.
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Qualifications
- University degree in Finance, Economics, Engineering, Law, or related discipline.
- CFA, FRM, or equivalent professional qualification is desirable.
- Fluent spoken and written English.
Competencies
- Excellent credit judgement and analytical capability.
- Strong structuring and documentation skills.
- Ability to influence senior stakeholders through constructive challenge.
- Commercial mindset balanced with sound risk discipline.
- Strong communication and presentation skills.
- Collaborative approach within an international environment.
Please note that priority will be given to candidates who are eligible to work in the UK.
Skills
- Client Orientation
- Empathy
- Ethics
- Innovation
- Proactive Thinking
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We are more than 121,000 colleagues across 25 countries, working in multidisciplinary teams where we understand the importance of work-life balance. We support our clients in the energy transition and are committed to inclusive growth. We are pioneers in adopting disruptive technologies that will shape the financial industry. Dare to define the future of banking!
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