Analista de Crédito at Santander

Cascais, Lisbon, Portugal

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banca, FinanceiroIndustries

Requirements

Licenciatura ou Mestrado preferencialmente em Finanças, Gestão, Economia ou Contabilidade
2 anos de experiência profissional em análise de crédito no sector bancário (preferencial)
Fluência na língua inglesa e/ou espanhola é uma mais-valia
Bons conhecimentos em MS Office
Autonomia e sentido de responsabilidade
Sentido crítico com fortes capacidades analíticas e de resolução de problemas
Dinamismo, proatividade e orientado para resultados
Capacidade para trabalhar num ambiente multidisciplinar e colaborativo
Comunicação clara, empática e eficiente, adaptada aos diferentes stakeholders
Atitude proativa na gestão de riscos inerentes às atividades no seu dia-a-dia

Responsibilities

Avaliar propostas de crédito (crédito, leasing, ALD, renting, etc) para clientes particulares e empresariais
Interpretar demonstrações financeiras, dados comportamentais e scoring de crédito interno/externo
Emitir pareceres técnicos e decisões dentro dos limites de autoridade definidos
Garantir o cumprimento das políticas internas, normas de compliance e regulamentos do Banco de Portugal
Assegurar a qualidade e consistência da informação utilizada nas análises
Assegurar um equilíbrio entre qualidade da decisão e experiência do cliente/parceiro
Participar em iniciativas de otimização de processos, automatização e digitalização da decisão de crédito
Analisar variados pedidos de clientes, nomeadamente de cedência de posição contratual, de substituição de bens afetos aos contratos e em garantia dos mesmos, de renegociação das condições contratuais motivadas por eventuais incapacidades de pagamento do crédito (PARI e PERSI), de alteração da tipologia de combustível das viaturas em garantia, entre outros
Identificar oportunidades de melhoria nas regras de admissão

Skills

Key technologies and capabilities for this role

Análise de CréditoDemonstrações FinanceirasScoring de CréditoMS OfficeFinançasGestãoEconomiaContabilidadeComplianceRegulamentação BancáriaLeasingRenting

Questions & Answers

Common questions about this position

What experience is required for the Credit Analyst position?

A Bachelor's or Master's degree preferably in Finance, Management, Economics or Accounting is required, along with 2 years of professional experience in credit analysis in the banking sector (preferred).

What are the key responsibilities of the Credit Analyst?

The role involves evaluating credit proposals for individual and business clients, interpreting financial statements and credit scores, issuing technical opinions and decisions, ensuring compliance with internal policies and regulations, and participating in process optimization initiatives.

Is remote work available for this position?

This information is not specified in the job description.

What is the salary or compensation for this role?

This information is not specified in the job description.

What soft skills are needed for the Credit Analyst role?

Candidates need autonomy, sense of responsibility, critical thinking with strong analytical and problem-solving skills, dynamism, proactivity, results-orientation, ability to work in a multidisciplinary and collaborative environment, and clear, empathetic communication adapted to stakeholders.

Santander

Provides banking, investment, and insurance services

About Santander

Santander Bank provides a variety of financial services to individuals, small businesses, and large corporations in the United States. Its offerings include savings and checking accounts, loans, credit cards, and investment products. The bank also has specialized services through Santander Investment Services and insurance products via Santander Securities LLC. Santander stands out from its competitors by focusing on community growth, committing $13.6 billion to support initiatives like the 'Cultivate Small Business' program, which aids early-stage entrepreneurs, especially from underrepresented groups. The bank generates revenue through interest on loans, service fees, and commissions, while promoting responsible banking practices and financial education. Santander's goal is to empower individuals and businesses, enhance community prosperity, and provide comprehensive financial solutions.

Boston, MassachusettsHeadquarters

1902Year Founded

$75MTotal Funding

POST_IPO_DEBTCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Benefits

Health, dental, & vision

401k

Flexible PTO

Parental & sick leave

Discounts: technology, travel, auto, fitness, & tuition

Risks

ISO 20022 transition may challenge smaller business partners.

'Quishing' attacks pose a growing threat to consumer security.

Openbank faces competition in the U.S. high-yield savings market.

Differentiation

Santander's Openbank offers a 5.00% APY high-yield savings account nationwide.

The bank's Inclusive Communities Plan pledges $13.6 billion for community initiatives.

Santander's ISO 20022 adoption enhances operational efficiency and data management.

Upsides

Openbank's high-yield savings account attracts more U.S. customers.

Santander's renewable energy financing highlights commitment to sustainable investments.

Proactive cybersecurity measures enhance customer trust and protect digital assets.

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