Starszy(-a) analityk(-czka) kredytowy(-a) at Santander

Warsaw, Masovian Voivodeship, Poland

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Minimum 5 years of experience in preparing, structuring, and recommending credit transactions for corporate clients
In-depth knowledge of the Bank's credit offer and familiarity with the credit process
Ability to manage towards optimal development of the credit portfolio and monitor achieved results
Understanding of the need for high-quality customer service and ability to develop long-term profitable relationships with clients
Practical knowledge of financial analysis principles for business entities
Goal-oriented approach while maintaining professionalism, ethics, care for client relationships, and credit portfolio quality
Awareness of current economic issues and trends specific to various industries
English language proficiency at minimum B2 level (mandatory)

Responsibilities

Ensuring quality and development of the corporate client portfolio with annual turnover of 60–500 million PLN, while maintaining portfolio profitability and optimizing assumed risk
Preparing credit applications along with supplementary documents, including building own scenarios for creditworthiness assessment
Structuring transactions and influencing the form of financing
Making decisions within possessed credit competencies and recommending actions regarding credit exposure at higher competency levels
Conducting monitoring processes, including proposing further actions and strategies for clients whose situation has deteriorated to minimize risk and avoid credit provisions
Ensuring compliance of the credit process with procedures

Skills

Credit Analysis

Financial Analysis

Portfolio Management

Risk Management

Corporate Lending

Client Relationship Management

English B2

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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