Analityk Kredytowy/ Analityczka Kredytowa (Santander Consumer Multirent) at Santander

Wrocław, Lower Silesian Voivodeship, Poland

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Finance, Banking, AutomotiveIndustries

Requirements

Bachelor's degree (preferred fields: economics or finance)
Minimum 3 years of experience as an analyst in a financial institution
Very good knowledge of analyzing financial documents and legal forms of economic entities
Knowledge of financial products and legal security instruments
Ability to think analytically, draw conclusions, and find constructive solutions
Ability to work in a team and independently perform assigned tasks
Strong communication skills, openness to new tasks, and a willingness to expand knowledge
Proficiency in English (written and spoken) for daily work

Responsibilities

Analyze the economic and financial situation of automotive dealerships
Assess the credit risk of corporate clients applying for financing
Prepare credit applications and present recommendations to higher decision-making levels, including credit committees
Propose adequate security measures based on the level of credit risk
Monitor the financial situation of financed entities
Collaborate with teams involved in the credit process, including participation in client meetings
Make individual decisions regarding loan and factoring support within defined competencies
Prepare reports on the financial condition of key clients and exposure classification for internal units

Skills

Financial Analysis

Credit Risk Assessment

Credit Applications

Financial Documents Analysis

Legal Security Instruments

Analytical Thinking

English Proficiency

Financial Products Knowledge

Risk Monitoring

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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