Structured Trade Portfolio Monitoring Associate

About the Role

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.

Key Responsibilities

• 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.

Requirements & Tech Stack

• 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.