Menedżer(-ka) zespołu kredytów korporacyjnych at Santander

Warsaw, Masovian Voivodeship, Poland

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Leadership skills and experience in team management
Professional knowledge of credit issues, financial analysis, financial markets, and transaction structuring
Proven skills in credit assessment and managing portfolios of large corporate clients
Interpersonal skills for building relationships with bank partners and developing joint solutions
Full independence in organizing own work and the subordinate team
Ability to work in a dynamic environment, openness, and initiative for changes and process improvements
Higher economic education and very good knowledge of English

Responsibilities

Development of the corporate clients' credit portfolio, setting risk appetite, and establishing a joint strategy with the business side for the portfolio managed by the Corporate Credits Premium 3 Team
Achieving specific goals in terms of credit portfolio quality, responsibility for high quality of recommendations and credit decisions
Supervision over the monitoring process, credit classification process, and SCAN process within the managed Team
Achieving specific goals and plans in terms of portfolio size and profitability, ensuring portfolio profitability and risk optimization, maximizing credit income while maintaining competitiveness
Direct communication and active participation in meetings with clients from the managed portfolio
Providing support in structuring credit transactions
Ensuring and supporting a consistent credit process, continuous improvement of policies, procedures, and expert credit tools
Supporting team members in task execution and their development, including supporting subordinates in improving credit analysis skills, preparing concise and clear credit applications, and knowledge of various financing structures within the managed portfolio
Shaping team cooperation with the business side to ensure an effective credit process and client satisfaction

Skills

Leadership

Team Management

Credit Analysis

Financial Analysis

Financial Markets

Transaction Structuring

Portfolio Management

Risk Management

English

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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