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?

The Area’s main projects and functions include:
- Assigning monitoring ratings to borrowers/economic groups within the individual analysis scope, using specialized segment- and sector-based analysis.
- Accounting classification of contracts, provision calculation, and proactive management of triggers for individually significant borrowers ("Single Names").
- Aligning individualized analysis and accounting treatment with BPI.
- Sector analysis. Preparing sector reports that provide a comprehensive view of the portfolio; identifying extraordinary events and analyzing their impact on portfolio credit quality.




- Periodic reporting to governing bodies and senior management. Preparing reports focused on areas of significant interest (top groups, top non-performing exposures, international branches, etc.).
- Forecasting NPL scenarios for the individual analysis scope.
- Participating in supervisory inspection processes.
- Managing external and internal audits related to individualized analysis.
- Evaluating and proactively managing regulatory changes; analyzing their impact on the credit portfolio and collaborating on the implementation of processes to ensure regulatory compliance.

Preparation of Major Risk Monitoring Reports:
- Review of key risks associated with companies/groups subject to individualized monitoring.
- Analysis of the economic and financial position of borrowers and preparation of sensitivity analyses.
- Analysis of the economic and sectoral environment to assess risk position

📌 Analista Analisis Grandes Riesgos Madrid/Barcelona
🏢 CaixaBank
📍 Madrid