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 Services, Renewable Energy, InfrastructureIndustries

Requirements

Experience in preparing, structuring, and recommending structured finance, corporate, or financial institution credit transactions
Knowledge of financial analysis and credit issues, supported by experience in conducting economic-financial analyses of investment projects and/or corporate clients
English language proficiency enabling free communication in speech and writing (mandatory)
Ability to formulate conclusions and strategic thinking
Communicative and open to new challenges
Problem-solving oriented

Responsibilities

Managing and shaping the assigned portfolio of structured finance credit clients, including project finance (e.g., renewable energy sector or infrastructure investments), LBO, CED, and others
Participating in the largest transactions in relevant sectors in Poland
Collaborating with clients of global reach
Preparing risk profile analyses of transactions/projects in the form of credit applications
Structuring, recommending, and presenting credit transactions at local and global Santander Group decision-making forums
Collaborating with other organizational units in the Bank, including PBBiK and SCIB business lines, as well as global credit risk teams of the Santander Group

Skills

Key technologies and capabilities for this role

Structured FinanceProject FinanceFinancial AnalysisCredit AnalysisRisk AssessmentPortfolio ManagementLBOEnglish

Questions & Answers

Common questions about this position

What employment contract and work arrangement are offered?

The position offers an employment contract (umowa o pracę) with the first one for 12 months and hybrid work partially in the Warsaw office at al. Jana Pawła II 17 near Rondo ONZ.

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

Candidates need experience in preparing, structuring, and recommending structured finance, corporate, or financial institution credit transactions; knowledge of financial analysis and credit issues backed by experience in economic-financial analyses of investment projects or corporate clients; fluent English communication skills; strategic thinking, communication, openness to challenges, and problem-solving orientation.

What is the team structure and company culture like?

The team consists of 4 people in Structured Finance led by Bartosz Rakowski, with opportunities for integration via over 20 Interest Clubs; the company values diversity and believes everyone can bring a unique perspective.

What benefits are provided for this position?

Benefits include a permanent employment contract (first for 12 months), hybrid work mode, private medical care with Medicover (option to add dental package), and a cafeteria system with points for activities like recreation, culture, gastronomy, or childcare subsidies.

What makes a strong candidate for this credit analyst role?

A strong candidate has hands-on experience in structured finance credit transactions, project finance analysis (especially renewables or infrastructure), fluent English, and skills in strategic thinking, communication, and problem-solving, with the ability to manage client portfolios and present recommendations.

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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