Key Responsibilities We are looking for a Credit Risk Officer to:

independently assess and approve Standard Lombard credit transactions within delegated authority and prepare credit recommendations for higher approval levels where required

perform credit analysis covering client, collateral, concentration, liquidity and transactional risks to ensure a holistic risk assessment

ensure transactions are aligned with the firm's risk appetite, lending principles and regulatory requirements

proactively monitor and manage risks within the assigned portfolio, identifying emerging risks and recommending appropriate mitigating actions

provide independent challenge and risk guidance to stakeholders while maintaining effective and constructive partnerships

Job Type Full Time

Job Reference # 344403BR

City Madrid

Key Responsibilities We are looking for a Credit Risk Officer to:

independently assess and approve Standard Lombard credit transactions within delegated authority and prepare credit recommendations for higher approval levels where required

perform credit analysis covering client, collateral, concentration, liquidity and transactional risks to ensure a holistic risk assessment

ensure transactions are aligned with the firm's risk appetite, lending principles and regulatory requirements

proactively monitor and manage risks within the assigned portfolio, identifying emerging risks and recommending appropriate mitigating actions

provide independent challenge and risk guidance to stakeholders while maintaining effective and constructive partnerships

contribute to the ongoing enhancement of credit risk standards,



processes and portfolio governance

The team You’ll be part of the General Wealth Management Credit Risk Control team supporting the Spanish market. As a member of the second line of defence, you’ll independently review, approve and monitor credit risks associated with Standard Lombard lending activities, ensuring disciplined risk-taking and effective portfolio oversight. You will work closely with client advisors, lending specialists and senior risk professionals across the organization.

Your Skills And Experience

Bachelor's or Master's degree in Finance, Economics, Business Administration or a related field

proven experience in credit risk analysis, private banking lending, securities-backed financing or corporate lending

sound knowledge of Lombard lending products, collateral risk management and credit approval processes

demonstrated ability to exercise credit judgment and make risk decisions within delegated authority

strong analytical, quantitative and problem-solving skills with attention to detail

excellent communication and stakeholder management skills, with the confidence to provide independent challenge where required

fluent in Spanish and English, both written and spoken





About Us UBS is a leading and truly global wealth manager and the leading universal bank in Switzerland. We also provide diversified asset management solutions and focused investment banking capabilities. Headquartered in Zurich, Switzerland, UBS is present in more than 50 markets around the globe.

We know that great work is never done alone. That’s why we place collaboration at the heart of everything we do. Because together, we’re more than ourselves. Want to find out more? Visit ubs.com/careers.

Join us At UBS, we know that it’s our people, with their diverse skills, experiences and backgrounds, who drive our ongoing success. We’re dedicated to our craft and passionate about putting our people first, with new challenges, a supportive team, opportunities to grow and flexible working options when possible. Our inclusive culture brings out the best in our employees, wherever they are on their career journey. And we use artificial intelligence (AI) to work smarter and more efficiently. We also recognize that great work is never done alone. That’s why collaboration is at the heart of everything we do. Because together, we’re more than ourselves.

We’re committed to disability inclusion and if you need reasonable accommodation/adjustments throughout our recruitment process, you can always contact us.

Contact Details UBS Business Solutions SA

UBS Recruiting

Disclaimer / Policy statements UBS is an Equal Opportunity Employer. We respect and seek to empower each individual and support the diverse cultures, perspectives, skills and experiences within our workforce.

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📌 GWM Credit Risk Officer (Madrid)
🏢 UBS Group
📍 Madrid