Talent.com
Credit Risk Management Director
Credit Risk Management DirectorSantander Holdings USA Inc • Boston, MA, United States
serp_jobs.error_messages.no_longer_accepting
Credit Risk Management Director

Credit Risk Management Director

Santander Holdings USA Inc • Boston, MA, United States
job_description.job_card.variable_days_ago
serp_jobs.job_preview.job_type
  • serp_jobs.job_card.full_time
job_description.job_card.job_description

Credit Risk Management Director

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 Director, Credit Risk Management

  • Senior Vice President is responsible for risk analysis and independent oversight of credit quality of assigned portfolios. The incumbent is 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 Ideal Candidate Will Have :

  • Director level credit risk professional with diversified banking experience, advanced credit analysis and risk management skills, and in-depth knowledge of underwriting and portfolio management practices, policies, and procedures.
  • Experience in corporate, commercial and specialty lending, including middle market, mid-corporate and specialty portfolios, including ABL, Equipment Finance and Dealer Commercial Services, across diverse industries.
  • Strong negotiating skills, multitasking and organizational aptitudes, and proven ability to influence business partners.
  • The Difference You Make :

  • Partners with Business Lines to recommend and vet new products initiatives, origination strategies, pre-approval and pre-qualification campaigns, underwriting techniques, peer group comparisons, and process optimization.
  • Assesses asset quality, status and appropriateness or existing risk controls / compliance with established underwriting policies / risk tolerance.
  • Ensures underwriting credit analysis is sound and justifies / mitigates the identified credit risk.
  • Provides a comprehensive range of risk management expertise requiring the creation, implementation and validation of various risk segmentation strategies using complex data.
  • Demonstrates subject matter expertise and serves as an authority and credible challenge to management regarding credit performance, potential or emerging risks, and business conformity with risk appetite, credit culture, and policies.
  • Delivers industry best practices, tools, guidance, and training to increase analytical capabilities and throughput.
  • Develops, implements and manages the Credit Risk projects assigned.
  • Develops and executes strategies and credit policies for lending and / or trading portfolios to mitigate credit risks without impacting portfolio growth or asset quality objectives and to correct risk budget deviations.
  • Reviews credit decisions analyzing sampling of loans and / or traded products to give feedback to the Credit Cycle and be in compliance with Regulations.
  • Establishes and oversees tactical plans to achieve desired asset quality for lending and / or trading portfolios including the design of annual credit management programs to monitor their compliance and deviations.
  • Approves credit proposal and monitoring.
  • 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, Risk Management, Information Systems, Finance, Economics or equivalent field. - Required.

    Master's degree - Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred.

    12+ Years Risk Management, Credit Risk, or Internal Audit - Preferred.

    12+ Years Financial Services industry. - Required.

    5+ Years Underwriting / Portfolio Management experience. - Preferred.

  • Advanced knowledge and understanding / competency in regulatory matters and compliance.
  • Advanced risk, process, and control validation and / or assessment skills.
  • Advanced credit and risk, process, and control validation and / or assessment skills.
  • Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense.
  • Demonstrated track record interacting and influencing regulators, external and internal audit.
  • Demonstrated expertise in Consumer and Banking businesses and applicable rules, regulations and processes.
  • Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.
  • Ability to direct, train and guide peers, subordinates and management.
  • Ability to strategically generate well supported conclusions based on trend analysis, credit risk due diligence performed, understanding of the Banks risk appetite and assessment of managements capabilities.
  • Ability to effectively interact and communicate with senior management across the enterprise.
  • Ability to convey a sense of urgency and drive issues / projects to closure.
  • Excellent written and oral communication skills.
  • Excellent analytical, organizational and project management skills.
  • Superior project management skills.
  • 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 : $135,000.00 USD

    Maximum : $240,000.00 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

    TAOps@santander.us

    to discuss your needs.

    Primary Location :   Trenton, NJ, REMOTE - New Jersey

    Other Locations :   New Jersey-Florham Park,Texas-Dallas,New York-New York,Massachusetts-Boston

    Organization :   Santander Holdings USA, Inc.

    serp_jobs.job_alerts.create_a_job

    Director Risk Management • Boston, MA, United States

    Job_description.internal_linking.related_jobs
    Director of Risk

    Director of Risk

    Rockland Federal Credit Union • Canton, MA, US
    serp_jobs.job_card.full_time
    In collaboration with management and the board of directors, ensures that the Credit Union's risk management program promotes a culture of risk awareness and compliance with laws, regulations, ...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Portfolio Compliance Director

    Portfolio Compliance Director

    Loomis, Sayles & Company • Boston, MA, United States
    serp_jobs.job_card.full_time
    Loomis Sayles is a performance-driven active asset management company that seeks to identify exceptional investment opportunities on behalf of institutional and retail clients worldwide.We believe ...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Director, Liquidity Risk Management

    Director, Liquidity Risk Management

    Franklin Templeton Investments • Boston, MA, United States
    serp_jobs.job_card.full_time
    At Franklin Templeton, we’re advancing our industry forward by developing new and innovative ways to help our clients achieve their investment goals. Our dynamic firm spans asset management, wealth ...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Risk Finance - Manager / Senior Manager

    Risk Finance - Manager / Senior Manager

    Regal Executive Search • Boston, MA, United States
    serp_jobs.job_card.full_time
    Risk Finance – Manager / Senior Manager.Manager-level Risk consultants work closely with management of Fortune 500, mid-cap and start-up companies, as well as all levels of our staff from Consultant ...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Investment Director, Credit

    Investment Director, Credit

    Cambridge Associates • Boston, MA, United States
    serp_jobs.job_card.full_time
    Cambridge Associates (“CA”) is a leading global investment firm.CA’s goal is to help endowments & foundations, pension plans, and ultra-high net worth private clients implement and manage custom in...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Internal Audit Director - Investment Management

    Internal Audit Director - Investment Management

    Morgan Stanley • Boston, MA, US
    serp_jobs.job_card.full_time
    Investment Management Audit Director.We're seeking an experienced audit professional to join our Investment Management audit team as a Director to execute various assurance activities in order to a...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Director, Asset Management Risk Operations

    Director, Asset Management Risk Operations

    Fidelity Investments • Boston, MA, United States
    serp_jobs.job_card.full_time
    Director, Asset Management Risk Operations.Be among the first 25 applicants.Director, Asset Management Risk Operations.This role will be part of a team accountable for assisting management with dev...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Head of Front Office Credit Risk, Managing Director (Onsite)

    Head of Front Office Credit Risk, Managing Director (Onsite)

    State Street • Boston, MA, United States
    serp_jobs.job_card.full_time
    Why this role is important to us.State Street Markets (SSM) is looking for a Managing Director (MD) to join the SSM Risk and FRM team in Boston. The team manages Credit, Market, and Model Risk as th...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Private Credit Bank Loan Operations, Managing Director

    Private Credit Bank Loan Operations, Managing Director

    State Street • Quincy, MA, US
    serp_jobs.job_card.full_time
    Private Credit Bank Loans Managing Director.As a Private Credit Bank Loans Managing Director, the ideal candidate will need to have an in depth knowledge of the Bank Loan asset class and the multip...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Director, Portfolio & Risk Analytics

    Director, Portfolio & Risk Analytics

    Barings • Boston, MA, United States
    serp_jobs.job_card.full_time
    At Barings, we are as invested in our associates as we are in our clients.We recognize those who work diligently for us and reward them for personal and professional integrity, communication skills...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Director, Threat Management

    Director, Threat Management

    Moderna • Cambridge, MA, US
    serp_jobs.job_card.permanent
    Insider Risk And Threat Management Director.This role leads Moderna's Insider Risk and Threat Management program, with responsibility for designing, implementing, and sustaining strategies that pre...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Manager, Digital Asset / Cryptocurreny Risk Management

    Manager, Digital Asset / Cryptocurreny Risk Management

    Fidelity Investments Inc. • Boston, MA, United States
    serp_jobs.job_card.full_time
    Risk Manager – Fidelity Digital Assets Risk Management.As a member of the Fidelity Digital Assets Risk Management team, you will play a key role in protecting Fidelity and its customers.You will pr...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Senior Manager, Risk Management Process

    Senior Manager, Risk Management Process

    Werfen • Bedford, MA, United States
    serp_jobs.job_card.full_time
    Bedford - 180 Hartwell Road Bedford, Massachusetts 01730 United States.Werfen is a growing, family-owned, innovative company founded in 1966 in Barcelona, Spain. We are a worldwide leader in specia...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Director, Asset Management Risk Operations

    Director, Asset Management Risk Operations

    Fidelity Investments Inc. • Boston, MA, United States
    serp_jobs.job_card.full_time
    This role will be part of a team accountable for assisting management with developing and implementing controls related to new products, operational processes, and regulatory requirements.The team ...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Global Head of Credit Research, State Street Investment Management - Senior Managing Director

    Global Head of Credit Research, State Street Investment Management - Senior Managing Director

    State Street • Boston, MA, US
    serp_jobs.job_card.full_time
    Global Head Of Credit Research.State Street Investment Management is seeking a strategic and experienced leader to serve as the Global Head of Credit Research within our Global Fixed Income team.Th...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Director of Enterprise Risk Management

    Director of Enterprise Risk Management

    Cardinal Health • Boston, MA, United States
    serp_jobs.job_card.full_time
    The Director of Enterprise Risk Management (ERM) is responsible for the development and implementation of a comprehensive risk management framework and strategy across the organization.This role in...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Head of Risk Financing Analytics

    Head of Risk Financing Analytics

    Liberty Mutual Insurance • Boston, MA, United States
    serp_jobs.job_card.full_time
    Head of Risk Financing Analytics.Liberty Mutual’s property and non-property portfolios.Reporting to the Head of Risk Financing and working hand-in-hand with the Corporate Economic Capital Model (EC...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Credit Risk Management Director

    Credit Risk Management Director

    Santander USA • Boston, MA, United States
    serp_jobs.job_card.full_time
    Credit Risk Management Director.Country : United States of America.Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset....serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_30 • serp_jobs.job_card.promoted
    Manager, Digital Asset / Cryptocurreny Risk Management

    Manager, Digital Asset / Cryptocurreny Risk Management

    Soteria Reinsurance Ltd. • Boston, MA, United States
    serp_jobs.job_card.full_time
    Job Description : Risk Manager – Fidelity Digital Assets Risk Management • •The Role • •As a member of the Fidelity Digital Assets Risk Management team, you will play a key role in protecting Fidelity an...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted
    Alpha Services Business Risk Management Risk Advisor

    Alpha Services Business Risk Management Risk Advisor

    State Street • Boston, MA, US
    serp_jobs.job_card.full_time
    Global Delivery Business Risk Management (GD BRM) is seeking a skilled Business Risk Manager to support Alpha Implementations leadership in identifying, assessing, and mitigating risks within the f...serp_jobs.internal_linking.show_more
    serp_jobs.last_updated.last_updated_variable_days • serp_jobs.job_card.promoted