USA Associate, Credit Risk (047RI1)

Key Responsibilities

• 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.
• Evaluates counter party credit equivalent exposure in non-standard trade positions using modeling techniques.
• Identifies potential credit risks and assesses impact, probability of occurrence and timeframe.
• Analyzes counter party portfolio and cross-border risk data, events and trends.
• Investigates various credit risk inquiries, proposals, plans, and makes recommendations as directed by management or at own initiative.

Qualifications

• Education: Bachelor’s Degree or equivalent work experience.
• Work Experience: 5-9 years in Risk Management, Credit Risk, or Internal Audit.
• Detailed knowledge of a commercial banks credit and counterparty customer populations, understanding their characteristics according to portfolio (aggregate) credit quality measures and individual customer financial characteristics.
• 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.
• Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers.
• Ability to adjust to new developments/changing circumstances.
• Ability to build and foster internal relationships.
• Pay Range
• Minimum: $76,875.00 USD Maximum: $130,000.00 USD

Benefits

• Santander Benefits - 2025 Santander On Going/NH e Guide (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 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.

Working Conditions

Frequent minimal physical effort such as sitting, standing and walking is required. 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.

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