Credit Risk Analyst - SCIB at Santander

Paris, Île-de-France, France

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Investment Banking, Financial ServicesIndustries

Requirements

1 year of experience in similar credit risk positions or Corporate Banking
University degree preferably in Economics or Business Administration (required); CFA or similar highly valued (desired)
Strong financial analysis skills (required)
Knowledge of Corporate & Investment Banking products (required)
Strong communication and interpersonal skills (required)
High writing and speaking proficiency in English (required)
Good knowledge of PowerPoint, Excel, and Outlook (required)
Synthesis and summary capabilities (required)
Previous experience within SCIB positively considered (desired)
Knowledge of Bloomberg and Thomson Reuters highly valued (desired)
Spanish highly valued (desired)

Responsibilities

Analyze and monitor credit risk profile of the Continental Europe SCIB clients portfolio of Financial Institutions (Banks and Insurances)
Provide risk assessments: perform ratings (groups and subsidiaries), admission process of deals including presentation to different committees
Define annual risk appetite and limits for each client
Identify potential risks when analyzing transactions and performing ratings, and rationalize and monitor capital/RWA allocation
Protect and strengthen the balance sheet of Banco Santander, especially in its Continental Europe franchise
Understand and assess the credit quality of clients under responsibility
Ensure data quality in terms of ratings and exposure (Portfolio Management)
Ensure Risk SCIB governance is followed in every process
Maintain close relationship with Financial Institutions Bankers to align criteria and pass the right messages
Talk straight and listen carefully, demonstrate organization, and meet deadlines

Skills

Credit Risk Analysis

Portfolio Monitoring

Client Ratings

Risk Assessment

Deal Admission

Risk Appetite

Limits Setting

RWA

Capital Allocation

Balance Sheet Management

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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