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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:

Summary of Responsibilities: The Associate supports the Portfolio Monitoring & Solutions function by performing the day-to-day post-closing monitoring and control of BBVA's Structured Trade & Commodity Finance portfolio. The role is responsible for ensuring compliance with transaction documentation, monitoring collateral performance, validating borrower reporting and identifying emerging risks across a broad range of structured financing solutions. Working closely with Front Office, Credit Risk, Legal, Operations, Engineering, external service providers and clients, the Associate contributes to maintaining a robust portfolio monitoring framework while supporting portfolio reporting, process standardization and automation initiatives.

List Major/Essential Job Duties:

• Perform ongoing monitoring of Structured Trade & Commodity Finance transactions, including Commodity Borrowing Base Facilities, Inventory Finance, Warehouse Finance, Prepayments, Pre-Export Finance, Receivables Purchase Programs (RPP), Receivables Finance, Credit Insurance-backed transactions and other structured working capital facilities.

• Review and validate borrowing base certificates, collateral reports, inventory reports, warehouse reports and borrower financial information.

• Monitor collateral eligibility, advance rates, reserves, dilution, concentration limits, financial covenants and reporting requirements in accordance with transaction documentation.

• Identify, investigate and escalate exceptions, covenant breaches, reporting deficiencies and emerging portfolio risks.

• Review transaction documentation to understand collateral structures, security packages, insurance provisions, warehouse arrangements and monitoring obligations.

• Coordinate with Front Office, Credit Risk, Legal, Operations, Engineering and external collateral managers to resolve monitoring issues and outstanding documentation requirements.

• Support the onboarding of new transactions, amendments, renewals, refinancings and portfolio transfers by implementing monitoring requirements and controls.

• Prepare and maintain portfolio monitoring reports, management dashboards and evidence repositories to support internal governance and decision-making.

• Ensure timely receipt, validation and maintenance of borrower reporting and collateral information.

• Contribute to the development, standardization and continuous improvement of monitoring procedures, governance frameworks and operating controls.

• Support digitalization and automation initiatives by leveraging reporting and analytical tools such as Advanced Excel, Power BI, SQL, Python or similar technologies.

• Maintain effective communication with internal stakeholders and clients while providing a high level of service and responsiveness.

Level of Complexity and Risk Involved: The role operates in a dynamic and highly regulated environment involving complex structured financing transactions secured by commodities, inventories, receivables and other collateral assets. Responsibilities require interpreting sophisticated legal and credit documentation, analyzing collateral performance and exercising sound judgment when identifying exceptions or emerging risks.

The Associate is expected to independently manage multiple transactions simultaneously while ensuring compliance with financing agreements, internal policies and regulatory requirements. Although major credit decisions remain with senior management and risk teams, the quality and timeliness of the Associate's monitoring activities are critical to the early identification of potential risks, protection of the Bank's collateral position and overall portfolio performance.

The position requires frequent interaction with multiple internal and external stakeholders and the ability to prioritize competing deadlines in a fast-paced international environment.

Skills, Knowledge, Abilities/Competencies:

• Strong analytical and problem-solving skills.

• Knowledge of Structured Trade Finance, Commodity Finance or Asset-Based Lending products.

• Understanding of borrowing base methodologies and collateral monitoring principles.

• Ability to interpret credit agreements, security documentation and transaction structures.

• Knowledge of inventory finance, warehouse finance, receivables finance and structured working capital solutions.

• Financial statement analysis and covenant monitoring capabilities.

• Advanced Microsoft Excel skills.

• Experience with Power BI, SQL, Python, Google Apps Script or other reporting and automation tools is preferred.

• Strong organizational and time management skills with the ability to manage multiple priorities.

• Excellent written and verbal communication skills.

• High attention to detail and commitment to accuracy.

• Ability to collaborate effectively across Front Office, Risk, Operations, Legal and external stakeholders.

• Strong sense of ownership, accountability and professionalism.

• Continuous improvement mindset with interest in process optimization and automation.

• Ability to work independently while contributing effectively within a collaborative team environment.

• Fluency in English is required; proficiency in Spanish is highly valued.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

With respect to this position in our New York Office, the expected base salary ranges from $110,000 to $130,000. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

*Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions

Legal requirements

It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

Pay Transparency Policy Statement

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information (41 C.F.R. 60-1.35 (c)).

Individuals with Disabilities

BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch invite all interested and qualified applicants to apply for employment opportunities. If you are a U.S.-based job seeker with a disability who is unable to use our online tools to search and apply for jobs, please contact us by emailing: disabilityaccessjobs.us@bbva.com or by calling toll-free (in the U.S.) 1-844-664-9275. Please indicate the specific type of assistance needed*.

*The disability access telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related or technical issues, will not receive a response.

EEO Statement

BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities.

View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA USA, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.