Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Not SpecifiedCompensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
- Znajomość analizy finansowej i kryteriów oceny ryzyka kredytowego dużych klientów korporacyjnych (poparta przynajmniej 3-letnim doświadczeniem)
- Bardzo dobra znajomość języka angielskiego w mowie i piśmie
- Dobra orientacja w bieżących kwestiach ekonomicznych oraz trendach rynkowych
- Umiejętności: współpracy w zespole, otwartości na nowe wyzwania, asertywności, samodzielności i dobrej organizacji pracy własnej
Responsibilities
- Zarządzanie powierzonym portfelem kredytowym klientów korporacyjnych i globalnych (klienci o przychodach powyżej 1,2 mld złotych)
- Współpraca z partnerami biznesowymi przy strukturyzowaniu transakcji, przygotowywanie wniosków kredytowych
- Podejmowanie decyzji w ramach przyznanych indywidualnych kompetencji kredytowych oraz rekomendowanie spraw na wyższe szczeble decyzyjne, w tym prezentacja wniosków kredytowych na Komitetach Kredytowych
- Prowadzenie procesu monitoringu - proponowanie dalszych działań i strategii wobec klientów, zapewniających optymalizację ryzyka oraz rentowność zarządzanego portfela
- Współpraca i korzystanie z wiedzy, doświadczeń innych jednostek w Grupie
Skills
Financial Analysis
Credit Risk Assessment
Credit Portfolio Management
Credit Structuring
Credit Applications
Credit Monitoring
Credit Committee Presentations
English Proficiency
Economic Analysis
Market Trends
Team Collaboration
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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