ekspert(-ka) klienta firmowego at Santander

Szczecin, West Pomeranian Voivodeship, Poland

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Minimum 4 years of experience in sales and/or business client service in the financial sector
Values contact with people and long-term relationships based on trust
Likes working in a team and achieving jointly set goals
Knowledge of enterprise financial analysis and credit analysis
Minimum 3 years of experience in servicing economic entities and restructuring credits
Broad knowledge of standards, processes, procedures, and banking products and services available in the distribution channel
Skills in servicing entities: JDG, Civil Law and Commercial Law Companies, credit processing, and transaction recommendations with collateral such as BGK guarantees, POLFUND, hypothecary
Broad knowledge in servicing Capital Companies and non-Profit entities as well as company succession
Expert in financing SMEs with experience collaborating with ESG, AGRO, BRK (Credit Risk Office, formerly DDK) teams, intermediaries, Credit Guarantee Fund S.A., Agricultural Advisory Centers, and other entities associating businesses
Minimum secondary education
Analytical skills
Category B driving license
Desirable
Communicative English skills enabling contact with foreign clients and assistance in selecting appropriate banking products

Responsibilities

Full diagnosis of client needs (including short- and long-term), matching the bank's offer considering the appropriate financing structure
Scheduling meetings at the client's headquarters to understand the company's specifics
Supporting clients in starting a business activity
Presenting solutions to the client based on information from banking systems and using available tools
Providing information on the current offer of banking products and services
Ensuring the accuracy, quality, and completeness of client data in banking IT systems
Continuous and systematic registration of client contacts in the system
Offering and promoting banking products for clients from the small and medium-sized enterprises (SME) segment

Skills

Key technologies and capabilities for this role

obsługa klienta biznesowegoanaliza finansowa przedsiębiorstwanaliza kredytowarestrukturyzacja kredytówprodukty bankoweobsługa JDGobsługa spółek prawa cywilnegoobsługa spółek handlowychprocesowanie kredytówzabezpieczenia kredytoweporęczenia BGKporęczenia POLFUNDzabezpieczenia hipoteczneobsługa spółek kapitałowychpodmioty non-profitsukcesja firmy

Questions & Answers

Common questions about this position

What employment contract is offered for this position?

The role offers an employment contract (umowa o pracę) initially for 7 months, with the possibility of an indefinite contract after the onboarding period.

Is this a remote or on-site position, and where is it located?

This is a stationary (on-site) position located in the 2nd Branch in Szczecin at ul. Mickiewicza 142.

What are the key required skills and experience for this role?

Candidates need minimum 4 years of experience in sales and/or business client service in the financial sector, knowledge of financial and credit analysis of enterprises, at least 3 years handling economic entities and credit restructuring, broad knowledge of banking products and processes, skills in handling various company types and credit processing, expertise in SME financing with collaboration experience in ESG, AGRO, BRK teams, analytical skills, category B driver's license, and minimum secondary education.

What is the company culture like at Santander?

The company values relationships with people, providing the best client experience in the financial sector, diversity among employees, teamwork, and long-term trust-based relations.

What makes a strong candidate for this expert business client role?

A strong candidate has the required minimum experience in business client handling in finance, expertise in credit analysis and SME financing, teamwork skills, and the ability to build long-term client relationships; English communication skills are a plus.

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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