Sr. Analyst, Credit Risk

Sr. Analyst, Credit RiskCountry : United States of America

The Credit Risk Analyst is responsible for risk analysis, monitoring risk exposures, and independent oversight of credit quality of assigned portfolios.

They are responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and / or risk reduction for the department.

Analyzes trends in credit risk data and escalates developments according to company policy and procedures for risk escalations.

Communicates and shares insight to causes of risk indicators and proposes recommendations to resolve or mitigate identified risks with team.

Reviews identified credit risks and liabilities; informs and recommends resolutions with business lines to mitigate risk potential.

Assists in processing risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations.

Ensures adherence to the policies and procedures established by the company.

Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies.

Monitors and manages risk / exposure and compliance with the company's policies.

Identifies, manages and reports on the company's risk areas.

Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.

Qualifications :

Education : Bachelor's Degree or equivalent work experience. Master’s Degree in STEM related field preferred.

Work Experience : + years in Credit Risk, statistics or data analytics within the banking or financial services industry.

Proficiency in SQL required, experience with Python and / or SAS preferred.

Strong MS Office skills.

Strong quantitative capabilities and analytical skills, including an investigative mindset.

Demonstrated credit analysis skills for understanding / tracking and market risk & modeling skills for evaluating related risk exposures.

Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers.

Strong verbal and written communication skills.

Ability to build and foster internal relationships.

Strong organizational and time management skills.

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.

Santander is an equal opportunity employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties.

You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time.

This job description is not a contract for employment and either you or the employer may terminate at any time for any reason.