Lead and manage a team of 2 professionalsMonitor the Integral CIB deteriorated portfolio (Stage 2 and 3), including the pre-watch list and potential risk deteriorationPrepare presentations for the Finance Team and Holding to monitor Stage 2-3 CIB portfolios for Senior Management and SupervisorsOversee the annual CIB budgetary process regarding loan loss provisions and NPLsEnhance annual estimation processes and conduct monthly follow-ups for individual assets (Big Tickets) in coordination with FinanceCollaborate with Finance, Work-out, and Credit Risk Admission teams on deteriorated portfolio follow-upConduct specific follow-up on potential risk deterioration through the Focus ListParticipate in Project Finance committees to detect potential credit deteriorationCollaborate with portfolio dynamics teams to establish forward-looking views for PDs and evaluate impact on NPLs and loan loss provisionsSupport the area's transformation project by automating portfolio monitoring processesImplement advanced analytics and visualization tools to integrate early warning indicators into risk managementRequirementsDegree in Finance, Econometrics, Statistics, Engineering, Mathematics, or a quantitative fieldMinimum of 8-9 years of professional experience in credit risk monitoring, specifically focusing on deteriorated portfolios, provision management, NPLs,



and credit risk driversProven expertise in analyzing financial statements and applying these insights to monitoring individual clients and specific projectsSolid understanding of credit markets and regulations, including IFRS9, Basel, and provisioningProficiency in PD, LGD, and EAD modelsAdvanced Excel, SQL, Business Intelligence (BI) tools, and Python/RAdvanced English (C1 level or higher)Strong leadership and team management skillsExcellent communicationProactive approach to digital transformation and AICritical thinking and flexibilityCore CompetenciesDemonstrates expertise in credit risk monitoring and management, with a strong focus on deteriorated portfolios, provision management, and advanced analytics. Proficient in financial analysis, regulatory compliance, and team leadership to drive effective risk management strategies.Highest-signal resume keywordsCredit Risk MonitoringDeteriorated Portfolio ManagementFinancial Statement AnalysisAdvanced ExcelIFRS9 ComplianceHard SkillsCredit Risk DriversProvision ManagementNPL AnalysisPD ModelsLGD ModelsEAD ModelsStatistical AnalysisQuantitative AnalysisData AnalysisFinancial ModelingSoft SkillsLeadershipTeam ManagementCommunicationCritical ThinkingProactive ApproachIndustry KeywordsCredit MarketsBasel RegulationsLoan Loss ProvisionsPortfolio DynamicsDigital TransformationTools & TechnologiesSQLBusiness Intelligence ToolsPythonRAdvanced Analytics#J-18808-Ljbffr

📌 Cib Credit Risk Special Monitoring, Provisioning Manager (Madrid)
🏢 Cib
📍 Madrid