Talent.com
Credit Risk Management Director

Credit Risk Management Director

Santander Holdings USA IncTrenton, NJ, US
job_description.job_card.30_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 • Trenton, NJ, US

    Job_description.internal_linking.related_jobs
    • serp_jobs.job_card.promoted
    Director, Credit Risk Loss Mitigation

    Director, Credit Risk Loss Mitigation

    SLMNewark, NJ, US
    serp_jobs.job_card.full_time
    Director of Credit Risk, Loss Mitigation.When you join Sallie Mae, you become a champion for all students.We're on a mission to power confidence as students begin their unique journey.To help them ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Manager of Risk Management

    Manager of Risk Management

    Wakefern Food Corp.Edison, NJ, United States
    serp_jobs.job_card.full_time
    United States and supports its co-operative members' retail operations, trading under the ShopRite®, Price Rite®, The Fresh Grocer®, Dearborn Markets®, Fairway Markets, Gourmet Garage® and Di Bruno...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Senior Manager, Group Risk (US) ORM Capital Lead

    Senior Manager, Group Risk (US) ORM Capital Lead

    TD BankMount Laurel, NJ, US
    serp_jobs.job_card.full_time
    Senior Manager Group Risk ORM Capital Lead.The Senior Manager Group Risk ORM Capital Lead drives, develops and oversees a broad, highly specialized and diverse team of Operational Risk profession...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Vice President, Credit Risk

    Vice President, Credit Risk

    Spring EQ, LLCMount Laurel, NJ, US
    serp_jobs.job_card.full_time
    Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners.Since its founding i...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    This website uses cookies to allow for its correct operation and the services offered. For further information, please consult ourCookiePolicy.

    This website uses cookies to allow for its correct operation and the services offered. For further information, please consult ourCookiePolicy.

    SantanderFlorham Park, NJ, US
    serp_jobs.job_card.full_time
    Director, Credit Risk Management.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 enri...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Senior Investment Risk Leader - Asset Management Group

    Senior Investment Risk Leader - Asset Management Group

    PNCPhiladelphia, PA, US
    serp_jobs.job_card.full_time +1
    At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve.We are all united in delivering the best experience for our customers.We work together each day ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Director Government Markets Risk Adjustment Analytics

    Director Government Markets Risk Adjustment Analytics

    Independence Blue CrossPhiladelphia, PA, US
    serp_jobs.job_card.full_time
    Regulatory Performance & Compliance.The Director of Risk Adjustment Analytics reports to the Vice President, Government Markets Performance and is responsible for analytics and reporting related to...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Remote Finance Director - AI Trainer

    Remote Finance Director - AI Trainer

    Data AnnotationSayreville, New Jersey
    serp_jobs.filters.remote
    serp_jobs.job_card.full_time +1
    We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Director, Operational Risk Management

    Director, Operational Risk Management

    Prudential FinancialNewark, NJ, US
    serp_jobs.job_card.part_time
    Director, Operational Risk Management.The Insurance, Product, Assumption, Model (IPAM) team enables Enterprise end-to-end management of Insurance, Product, Assumption, and Model Risk.Operational Ri...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Director Fraud Risk Management

    Director Fraud Risk Management

    FiservBerkeley Heights, NJ, US
    serp_jobs.job_card.full_time
    Director Fraud Risk Management.Calling all innovators - find your future at Fiserv.We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the w...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Internal Audit and Risk Director (Health Care Focus)

    Internal Audit and Risk Director (Health Care Focus)

    Baker TillyPhiladelphia, PA, US
    serp_jobs.job_card.full_time
    Internal Audit & Risk Director.Baker Tilly is a leading advisory, tax and assurance firm, providing clients with a genuine coast-to-coast and global advantage in major regions of the U.New York, Lo...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    Commercial Insurance Risk Management Associate

    Commercial Insurance Risk Management Associate

    GpacUnion, New Jersey, United States
    serp_jobs.job_card.full_time
    serp_jobs.filters_job_card.quick_apply
    Commercial Insurance Risk Management Associate (Remote – Northeast).Our client, a leading regional iindependent nsurance firm is seeking a seasoned Risk Management Professional to lead contra...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    State Director

    State Director

    Best Buddies InternationalClinton, New Jersey, US
    serp_jobs.job_card.full_time
    Best Buddies International is a nonprofit 501(c)(3) organization dedicated to establishing a global volunteer movement that creates opportunities for one-to-one friendships, integrated employment, ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    Internal Audit and Risk Managing Director (Health Care Focus)

    Internal Audit and Risk Managing Director (Health Care Focus)

    Baker Tilly Advisory Group, LPUSA, Pennsylvania, Philadelphia
    serp_jobs.job_card.full_time
    Baker Tilly is a leading advisory, tax and assurance firm, providing clients with a genuine coast-to-coast and global advantage in major regions of the U. New York, London, San Francisco, Los Angele...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    NOW HIRING - Teller Midway Part Time (Remote - hybrid)

    NOW HIRING - Teller Midway Part Time (Remote - hybrid)

    WELLS FARGO BANKLEVITTOWN, Pennsylvania, United States of America
    serp_jobs.filters.remote
    serp_jobs.job_card.part_time
    Are you looking for more? Find it here.At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_1_day
    • serp_jobs.job_card.promoted
    Senior Claim Director-Builders Risk

    Senior Claim Director-Builders Risk

    ChubbPhiladelphia, PA, US
    serp_jobs.job_card.full_time
    This individual contributor is responsible for investigating / settling more complex and higher exposure / high frequency claims while providing an exceptional level of customer service and maintaining...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Director, Tech Risk Management (Hybrid)

    Director, Tech Risk Management (Hybrid)

    Prudential FinancialNewark, NJ, US
    serp_jobs.job_card.full_time
    Director of Operational Risk Management, Technology Risk Partner.Prudential's Operational Risk Management (ORM) team supports the execution of Prudential's strategy by ensuring risks are well under...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Wells Fargo - Teller Midway Part Time (Remote - hybrid)

    Wells Fargo - Teller Midway Part Time (Remote - hybrid)

    WELLS FARGO BANKLEVITTOWN, Pennsylvania, United States of America
    serp_jobs.filters.remote
    serp_jobs.job_card.part_time
    Are you looking for more? Find it here.At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_1_day