ekspert(-ka) klienta firmowego at Santander

Torun, Kuyavian-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 handling economic entities and restructuring credits
Broad knowledge of standards, processes, procedures, and banking products and services available in the distribution channel
Skills in handling entities: JDG, Civil Law and Commercial Law Companies, credit processing, and transaction recommendations with collateral such as BGK guarantees, POLFUND, Mortgage
Broad knowledge in handling 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

Responsibilities

Full diagnosis of client needs (including short- and long-term perspectives), matching the bank's offer with the appropriate financing structure
Scheduling meetings at the client's premises to understand the specifics of the company's operations
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
Current 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

obsługa klienta biznesowego

analiza finansowa przedsiębiorstw

analiza kredytowa

restrukturyzacja kredytów

produkty bankowe

JDGs

Spółki Prawa Cywilnego

Spółki Prawa Handlowego

kredyty z zabezpieczeniem

poręczenia BGK

poręczenia POLFUND

Spółki Kapitałowe

podmioty non-profit

sukcesja firmy

finansowanie

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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