Head of Credit Risk Review

BBVA

. Lead and manage the US Credit Risk Review function, ensuring its independence, effectiveness and adherence to internal policies and applicable regulatory requirements.

Posted 11/6/2026full-timeNew York City • New York • United StatesLead💰 $240,000 - $260,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Credit Risk Management, including the development and oversight of credit review methodologies and compliance with regulatory requirements. Proven ability to lead teams, assess complex credit exposures, and communicate effectively with senior management and regulators.

Highest-signal resume keywords

Credit Risk ManagementRegulatory ComplianceTeam LeadershipCredit Review MethodologiesCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentProblem Loan ManagementRisk Rating MethodologiesCredit Loss AllowancesPortfolio Performance MonitoringCredit Risk GovernanceAnalytical ToolsCredit Approval PracticesCredit Monitoring ProcessesEmerging Risk Identification

Soft Skills

IntegrityIndependenceSound JudgmentPersonal AccountabilityPersuasive Communication

Industry Keywords

US Banking RegulatorsFederal ReserveNew York State Department of Financial ServicesBanking SupervisionFinancial InstitutionsCredit Risk Review SystemsSupervisory FrameworksCommercial BankingWholesale BankingGovernance Committees

About the role

Key responsibilities & impact

Lead and manage the US Credit Risk Review function, ensuring its independence, effectiveness and adherence to internal policies and applicable regulatory requirements.
Provide strategic direction, technical guidance and oversight to the CRR team.
Manage team resources, staffing requirements, performance evaluations and professional development.
Maintain and enhance CRR methodologies, policies, procedures and analytical tools.
Lead credit risk assessments and identify emerging risks, portfolio vulnerabilities and areas requiring enhanced review.
Develop and oversee the risk-based Annual Credit Review Plan.
Direct targeted reviews and continuous monitoring activities across US credit portfolios.
Monitor portfolio performance, concentrations, risk rating migration, asset quality and emerging credit risks.
Oversee independent evaluation of credit risk ratings, underwriting quality, credit approval practices, loan administration and credit monitoring processes.
Ensure timely identification of credit deterioration, weaknesses in credit risk management practices and deficiencies in internal controls.
Exercise independent challenge of credit decisions, risk ratings, risk assessments and management practices.
Evaluate the adequacy of credit loss allowances and processes for identifying and managing problem loans.
Ensure the quality and consistency of final Credit Risk Review reports.
Present review results, portfolio assessments, emerging risks and progress.
Oversee identification, classification, communication and tracking of weaknesses and corrective Action Items.
Contribute to enhancement of credit risk governance, policies, underwriting standards and monitoring practices.
Serve as a senior point of contact for US banking regulators, Internal Audit and external auditors.
Ensure compliance with applicable US supervisory guidance, including the Interagency Guidance on Credit Risk Review Systems.
Represent CRR in management and risk committees.
Establish relationships with senior executives, Credit Risk Management and business stakeholders while preserving independent judgment and ability to challenge.

Requirements

What you’ll need

Bachelors degree in Finance, Accounting, Economics, Business Administration or a related field (Master’s degree is a plus).
Minimum of 15 years of relevant experience in credit risk management, credit review, banking supervision or related functions within financial institutions.
Proven experience leading professional teams and managing complex credit review or credit risk assessment programs.
Extensive knowledge of US commercial and wholesale banking credit risk practices, regulatory expectations and supervisory frameworks.
Strong understanding of credit risk governance, problem loan management, risk rating methodologies and allowance for credit losses.
Demonstrated ability to independently assess complex credit exposures, challenge risk ratings and identify weaknesses in underwriting, monitoring and credit risk management processes.
Excellent written and verbal communication skills, including the ability to present complex risk matters clearly and persuasively to senior management, governance committees and regulators.
High degree of integrity, independence, sound judgment and personal accountability.
Experience working with US banking regulators, particularly the Federal Reserve and the New York State Department of Financial Services (NYDFS).
Demonstrated ability to operate effectively in a global reporting structure and multicultural environment.
Employment eligibility to work with BBVA in the U.S. is required; the company will not pursue visa sponsorship for these positions.

Benefits

Comp & perks

Generous employee benefits package
Discretionary bonus