USA Sr. Analyst, Credit Risk (048RI1)

USA Sr. Analyst, Credit Risk (048RI1) Country : United States of America

Your Journey Starts Here :

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make : The Sr. Analyst, Credit Risk is responsible for risk analysis and independent oversight of credit quality of assigned portfolios, may be responsible for monitoring risk exposures arising from trading activities. 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. The incumbent is responsible for reviewing, analyzing, and / or evaluating the Company's credit risk management program that renders risk-based processing and reporting to reduce operating losses and maintain maximum protection of the organization's assets, products, and services. The Sr. Analyst will recommend opportunities and propose 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.
• Serves as a point of contact for the department by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates.
• Informs employees on credit and risk policies and guidelines to build a risk aware culture and practice across the organization.
• Researches a wide variety of topics and issues including emerging credit risks and trends and credit risk management best practices; summarizes and communicates findings with team.
• Evaluates credit risk management contingency plans and reports findings.
• Assists in processing credit risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations.
• Prepares appropriate review memorandum summarizing liabilities and recommending follow-up evaluations.
• Provides procedural guidance and support to junior analysts in the various functions of the department, and in the methods of tools of analysis.
• Interprets and applies credit and risk procedures, ensures analysis is documented and that records are maintained.
• Evaluates the strengths and weaknesses of existing controls and provides recommendations on opportunities for improvement. What You Bring : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience : Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required. Master's Degree Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred. 1+ Years Risk Management, Credit Risk, Internal Audit or related experience. - Required.
• 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 quantitative capabilities and analytical skills, including an investigative mindset.
• Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills.
• Strong verbal and written communication skills.
• Ability to build and foster internal relationships.
• Strong organizational and time management skills.
• Ability to analyze risk and provide recommendations and / or resolutions to minimize risk.
• Ability to summarize, document, and communicate information in a clear and concise manner.
• Ability to work independently as well as collaboratively within a team environment.
• Ability to stay abreast of industry best practices, procedures, and techniques.
• Ability to change direction as project demand dictates.
• Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner. Certifications : No Certifications listed for this job. It Would Be Nice For You To Have : Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum : $58,125.00 USD

Maximum : $107,500.00 USD

Link to Santander Benefits :

Santander Benefits - 2025 Santander OnGoing / NH eGuide (foleon.com)

Risk Culture :

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement :

At Santander, we value and respect differences in our workforce. 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.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and / or furniture may be required .

Employer Rights :

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 your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location : New York, NY, Madison Ave Corp

Other Locations : New York-New York

Organization : Banco Santander S.A.