CREDIT PRODUCTS OFFICER III

Job description

· 
·  BBVA USA
California Consumer Privacy Act (“CCPA”) Notice at Collection and Privacy
Policy

The following CCPA Privacy Statement shall not apply to the collection, processing, sale or disclosure of any information (i) that a consumer provides to us to obtain a financial product or service from us, or (ii) about a consumer resulting from any transaction involving a financial product or service between us and the consumer; or (iii) we otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.

"To better understand your rights in respect of any such information excluded from the following CCPA Privacy Statement for Covered Persons, please instead reference the BBVA Privacy page, which you may visit at the following web link ".

This NOTICE AT COLLECTION FOR COVERED PERSONS supplements the information contained in the Consumer Privacy Disclosure of BBVA USA (and each of the following affiliates of BBVA USA: NY Branch of BBVA, S.A.; BBVA Insurance Agency, Inc.; BBVA Securities Inc.; BBVA Wealth Solutions, Inc.; and BBVA Open Platform, Inc. (collectively, “we,” “us,” or “our”) and applies solely to employees, owners, directors, officers, medical staff members, contractors and job applicants who reside in the State of California (each, a “Covered Person” and, collectively, the “Covered Persons”). We adopt this statement to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this statement. For Covered Persons, the provisions of this Notice at Collection prevail over any conflicting provisions of the BBVA USA Consumer Privacy Disclosure, the BBVA Mobile Banking Application Privacy Policy, the BBVA Online Privacy Policy, and/or the BBVA ClearSpend Service Privacy Policy.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Covered Person subject to the CCPA (“Personal Information”). In particular, we have collected the following categories of Personal Information from Covered Persons within the last twelve (12) months:

Category

Example

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

YES

B. Categories of Personal Information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver´s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

YES

D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

YES

E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

YES

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer´s interaction with an internet website, application, or advertisement.

YES

G. Geolocation data.

Physical location or movements.

YES

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

YES

I. Professional or employment-related information.

Current or past job history or performance evaluations.

YES

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C.Section 1232g, 34 C.F.R.Part 99)).

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

YES

K. Inferences drawn from other Personal Information.

Profile reflecting a person´s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

YES

Personal Information does not include:

·  Publicly available information from government records.
·  De-identified or aggregate consumer information.
·  Other information to the extent excluded from the CCPA´s scope, like:
·  Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver´s Privacy Protection Act of 1994;
·  health or medical information that constitutes clinical trial data or that is otherwise covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Health Information Technology for Economic and Clinical Health Act (HITECH), or the California Confidentiality of Medical Information Act (CMIA);
·  Personal Information we may collect from a natural person (including, without limitation, emergency contact information for that natural person and such other Personal Information we may need in order to administer benefits for such natural person) in the course of the natural person applying for a job with us or otherwise in connection that natural person acting as our employee, owner, director, officer, medical staff member, or contractor; and
·  Personal Information we may collect from a natural person who is acting as an employee, owner, director, officer, or contractor of another company with which company we are communicating or for which company we are otherwise evaluating or actually providing a product or service.

Use of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we may use or disclose such Personal Information for any one or more of the following business purposes:

·  To fulfill or meet the reason for which the information is provided;
·  To enroll you in benefits such as health insurance, dental, 401(k), etc.;
·  To provide you with email alerts, event registrations and other statements concerning our employees;
·  As otherwise necessary or appropriate to protect the rights, property or safety of us, our customers, consumers, or others;
·  To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
·  For such purposes as may be necessary or appropriate in connection with audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;
·  To improve our website and apps and present their content to you; and/or
·  As otherwise described to you when collecting your Personal Information or as otherwise set forth in the CCPA.

Changes to Our Privacy Statement

We reserve the right to amend this Notice at Collection at our discretion and at any time. When we make changes to this Notice at Collection, we will notify you through a statement on our website homepage.

If you use assistive technology and the format of this Notice at Collection interferes with your ability to access information, please contact us at web_accessibility.us@bbva.com . To enable us to respond in a manner most helpful to you, please indicate the preferred format in which to receive the material and your contact information. Users who need accessibility assistance can also contact us by phone at 1-800-273-1057.

Contact Information

If you have any questions or comments about this statement or the ways in which we collect and use your Personal Information, please do not hesitate to contact us at: privacy.us@bbva.com .

A Spanish version of this document is available below as a courtesy to our clients who use Spanish as their primary language. Although BBVA USA has taken every precaution possible to translate the original document correctly, the Spanish translation is only a courtesy to our clients. Please take note that all official documents from BBVA USA will be in English only

Website: https://www.bbva.com/en/personal-data-protection-policy/ .
Email: ny.infosec@bbva.com
Phone number: +1-212-7281500
Postal Address: BBVA s.a. NY Branch
Attn: NY Information Security office
1345 Avenue of the Americas
44th Floor
New York, NY 10105

Go to job

Area:

Deadline for applying:
6/30/2022

Company:

Grade:
20R

Grade range:

Salary Range:
0.00 - 0.00

 

Incentive Eligible:
Incentive or Bonus Eligible

What does the job entail?

Summary of Responsibilities:

Top European Bank with significant New York operations is looking for a Corporate Credit Underwriter.  The Corporate Credit Underwriter is responsible for all aspects of financial analysis and risk management for clients and prospects in the Corporate & Investment Banking unit. 

List Major/Essential Job Duties:

Skills, Knowledge, and Abilities/Competencies:
Manage credit related aspects of a portfolio of large, US corporate relationships within assigned industry sectors
Responsible for the preparation of new transaction proposals incorporating the analysis of the macroeconomic environment, the business, credit and financial risk profiles of the borrower, as well as risks inherent in the specific structure of a transaction
Coordinate with Credit Risk Officers, Relationship Managers and Product Specialist to ensure that proposed transactions terms are acceptable to the Bank and to set appropriate global credit limits for both new and existing clients
Responsible for monitoring and periodic reviews of existing client relationships
Present completed credit proposals to the relevant approval committees

Minimum of 5 years of Large Corporate or Large Middle Market credit risk underwriting experience within a corporate or commercial banking environment
Analytical orientation, critical thinking skills and autonomous decision-making ability
Strong communication and business writing skills
Undergraduate degree in Finance or Accounting; MBA is a positive but is not required
Proficiency in Spanish a plus

Note: This job has multiple levels (i.e. I, II, III, etc.). The posted job description includes the qualifications associated with the entry level position. If hired, you may be placed at a level above the entry level position. The level of placement will be based on experience, education and skills.

Additional Minimum and Preferred Qualifications

Note: Required to meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System and Registry registration process, to include FBI fingerprint criminal history report and review of credit report

Benefits Statement

Benefits: A variety of health and welfare and other benefit programs are available, including medical, dental, vision, Wellness Program, Personal Savings Plan (401K), Health Savings Account, Flexible Spending Account, accident benefits, critical illness, hospital indemnity, life insurance, disability benefits, paid vacation & holidays, paid leave programs, tuition assistance programs, pet insurance and more.

Legal requirements

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.

Working at BBVA

BBVA is a global company with over 160 years of history present in 25 countries with over 81 million customers. We are more than 110,000 professionals working in multidisciplinary and diverse teams.

At BBVA, we are ahead of the transformation that is taking place in the banking sector, challenging the status quo, to make life easier to our customers.

Being part of BBVA means developing your career in one of the most innovative companies in finance.

Responsible banking

We're committed to responsible banking to help drive a more inclusive and sustainable society. The future of banking lies in financing the future.

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, prioritizing innovation and digital transformation so that we can put the opportunities of this new era within everyone's reach.

Diversity

At BBVA we believe having a diverse team makes us a better bank.

For this reason, we actively support diversity, inclusion and equal opportunities regardless race, sex, age, religion, sexual orientation, gender identity or expression. We cultivate a collaborative and inclusive work environment that allows every employee to do their best work.

Our values

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.

Customer comes first

We think big

We are one team