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
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What is the work arrangement for this position?
The role offers hybrid work, partially in the office in Poznań at ul. Kolorowa 10 or Warsaw at al. Jana Pawła II 17.
What benefits does Santander provide for this role?
Benefits include an employment contract (first for 12 months), private medical care with Medicover, cafeteria system with points for activities, Multisport card, employee banking products and loans, wellbeing activities, child starter kit, and disability benefits like extra pay for health, additional vacation days, and full remote work if possible.
What skills and experience are required for the credit analyst role?
Candidates need at least 3 years of experience in financial analysis and credit risk assessment for large corporate clients, very good English skills in speaking and writing, knowledge of current economic issues and market trends, and soft skills like teamwork, openness to challenges, assertiveness, independence, and good self-organization.
What is the team structure like?
The role is in the Zespół Sektorowy Kredytów 2 led by Monika Glapa, consisting of a daily team of 8 people, with opportunities for integration through over 20 Interest Clubs.
What makes a strong candidate for this credit analyst position?
Strong candidates have proven experience in financial analysis and credit risk for large corporates, excellent English, market knowledge, and key soft skills like teamwork and independence.
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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