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Our Company

At BBVA, we are leading the transformation of global banking with the aim of bringing the opportunities of this new era within everyone’s reach. We are a global financial institution present in 30 countries with over 75 million customers. We are a bank with over 126,000 employees across the world and every one of those employees is leading and designing his/her professional career with the help of tools provided by the organisation to make that happen.

Corporate responsibility is an intrinsic part of our business model, promoting inclusion and financial education while supporting research and culture. Being part of BBVA means developing your career in one of the most innovative companies in finance.

We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritising innovation and digital transformation so that we can bring the opportunities of this new era within everyone’s reach.

Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.

  • - The customer comes first.
  • - We think big.
  • - We are one team.

Job description

The key responsibilities of the Credit Products Officer II involve underwriting and ongoing periodic monitoring of credits to companies within the Middle Market, Mid-Corporate and Restaurant Finance lines of business. The main objective is to ensurethat the credit risk assumed by the Bank complies with BBVA Compass Credit Policies and Procedures which govern the Bank’s risk appetite.

CPOs are primarily industry generalists focused on assisting the respective lines of business who are tasked with developing the Bank’s portfolio of loans that meet the specific structure and criteria within these lines of business. In additionto underwriting and providing portfolio management coverage on participations mostly to broadly syndicated facilities, coverage also may include those directly originated by the Bank for bilateral, club and syndicated facilities whereby the Bank servesas lead agent.


    - Complete due diligence.
    - Conduct financial modeling (projections for term debt and transactions).
    - Underwrite credit (new / renewals / modifications).
    - Participate in the credit approval process.
    - Negotiate credit (with Client Manager involved as needed).
    - Reviewing closing documents and ensuring proper booking of transactions.
    - Monitor financial statements, borrowing base, covenant compliance, exception management overdrafts and ACH approvals.
    - Ensure ratings are accurate and updated in a timely manner for credits assigned in their portfolio.
    - Contribute to client planning sessions.
    - Work with Client Managers on capital structure idea pitches to clients and prospects.
    - Coordinate with the Client Manager to perform relationship reviews to determine appropriateness and competitiveness of credit package.
    - Monitor industry trends in their assigned portfolio.
    - Travel as necessary to attend meetings with clients and prospects.

Bachelor''s Degree (BA, BS, etc.) in a business related field with emphasis in management, accounting or finance is required with at least six (6) hours of accounting. Requires a minimum of three (3) years of underwriting or credit analysis experience.


Required:None required

Preferred: None preferred

At BBVA, we believe that having a team made up of people with different ways of viewing the world and of taking on each challenge makes us a better bank. That is why we actively support diversity and inclusion, and we invite you to apply, regardless of your race, gender, age, sexual orientation, country of origin, experience, studies, etc.
We nurture a collaborative and inclusive work environment that enables us to show and develop the best we each have to offer.

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 Compass, 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: 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 Compass, 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 Compass, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.