Santander
Auto Financing
SeniorCreditRiskAnalyst
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“Senior Credit Risk Analyst at Santander. Skills: Credit Risk Analysis, Data Analysis, Risk Management, SQL, Power BI. Independent risk analysis and oversight of the credit quality of non-prime auto finance portfolio. Monitor risk exposures arising from other banking activities”
What You'll Achieve.
Improve efficiency; Improve effectiveness; Reduce risk; Reduce operating losses; Maintain maximum protection of the organization’s assets, products, and services
Industry & Context.
Analyze credit risk trends; Escalate emerging issues; Recommend mitigation strategies and follow-up actions; Analyze risk data; Identify plausible business and operational impacts; Respond to internal inquiries; Research emerging credit risks, market trends, and credit risk management best practices; Evaluate credit risk management contingency plans and existing controls; Recommend opportunities to improve effectiveness and reduce risk; Analyze risk and provide recommendations and resolutions to minimize exposure
Must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship, Frequent minimal physical effort such as sitting, standing and walking is required, Depending on location, occasional moving and lifting light equipment and/or furniture may be required
What They're Looking For.
Must Have
Bachelor's Degree or equivalent work experience in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field, 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field, 1+ years of experience with SQL, Power BI or similar data visualization and analytics tool, Ability to work with large and complex datasets, perform data analysis and communicate insights and findings effectively, quantitative capabilities and analytical skills, including an investigative mindset, Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook, Ability to analyze risk and provide recommendations and resolutions to minimize exposure, written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely, Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner, Ability to build and foster internal relationships, organizational and time management skills, Ability to work independently as well as collaboratively within a team environment, Ability to stay current on industry best practices, procedures, and techniques, Ability to change direction as project demand dictates
Nice to Have
Master's Degree in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field, Basic understanding of reporting, dashboarding and data visualization concepts, Familiarity with querying, validation and reconciling data from multiple sources
What You'll Do.
Independent risk analysis and oversight of the credit quality of non-prime auto finance portfolio
Monitor risk exposures arising from other banking activities
Accountable for all aspects of credit quality
including compliance with regulatory requirements and internal controls
Recommend opportunities and proposed resolutions that improve efficiency
and risk reduction for the department
and evaluate the Company’s credit risk management program to support risk-based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets
Analyze credit risk trends across assigned portfolios and escalate emerging issues in accordance with company policy and procedures
Review identified credit risks
and partner with business lines to recommend mitigation strategies and follow-up actions
Support credit risk assessments by analyzing risk data
identifying plausible business and operational impacts
and maintaining accurate documentation
Serve as a department point of contact by responding to internal inquiries regarding credit risk
regulatory requirements
and project status updates
Research emerging credit risks
and credit risk management best practices
and summarize findings for the team
Evaluate credit risk management contingency plans and existing controls
and recommend opportunities to improve effectiveness and reduce risk
Prepare review memoranda summarizing liabilities
and recommended follow-up evaluations
Reinforce a risk-aware culture through the communication of credit and risk policies and guidelines
How You'll Work.
Team & Collaboration
Partner with business lines to recommend mitigation strategies and follow-up actions; Respond to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates; Summarize findings for the team; Work collaboratively within a team environment
Communication Scope
Communicate insights and findings effectively; Written communication skills; Verbal communication skills; Ability to summarize, document, and communicate information clearly and concisely; Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner; Communication of credit and risk policies and guidelines
Full Job Description
Senior Credit Risk Analyst - Auto Financing Country: United States of America **It Starts Here:** Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. 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 independent risk analysis and oversight of the credit quality of non-prime auto finance portfolio and may also monitor risk exposures arising from other banking activities. Position Summary This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department. The Sr. Analyst also reviews, analyzes, and evaluates the Company’s credit risk management program to support risk-based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets, products, and services. * Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures. * Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow-up actions. * Supports credit risk assessments by analyzing risk data, identifying plausible business and operational impacts, and maintaining accurate documentation. * Serves as a department point of contact by responding to internal inquiries regarding credit risk, proced
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