Santander Bank

Jr. Credit Risk Analyst

Country: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

Position Summary:

The Jr. Credit Risk Analyst meets with Relationship Analysts and/or Bankers on a daily basis to prepare credit proposals that are presented to the corresponding credit committee and approved on a daily basis. The Credit Risk Analyst collaborates with Marketing, Operations and Compliance Department as necessary. The Credit Risk Analyst reviews regular credit documentation on approved credits proposals.

The Jr. Credit Risk Analyst assist in the review and follow up of credit monitoring of BSI portfolio, in alignment with 1LoD to reduce delinquency ratios. The Credit Risk Analyst may collaborates in different projects such as weekly reports, PowerPoint presentations, and other. The Credit Risk Analyst must be highly analytical with advanced skills in excel, highly proactive, organized and demonstrate ability to achieve efficient and productive results.

The Jr. Credit Risk Analyst reports to the Credit Risk Director.

Position Duties / Responsibilities:

• The Junior Credit Analyst will receive training and mentorship for several months to learn how to prepare simpler credit proposals in accordance with BSI's policies and procedures.
• Meet daily with relationship analysts and/or bankers to understand client needs.
• Interact daily with various departments (operations, compliance, marketing, etc.) to gather accurate information for proposals or projects.
• Prepare and present credit proposals to the relevant credit committee.
• The Jr. Credit Analyst reviews standard credit documents once a credit proposal is approved and may assist in preparing or reviewing documents with modifications under supervision.
• May assist with credit monitoring tasks, including margin calls, past dues, overdrafts, and expired lines of credit.
• Help download necessary reports with supervision.
• Participate in projects focused on process automation.

Derivatives:

• The Junior Credit Analyst will receive training and mentorship to monitor activities in financial derivatives, aiming to minimize the company's risk exposure.
• Responsibilities may include preparing presentations and reports related to quantitative analysis, risk identification, and remediation.

Market, Liquidity, and Structural Fiduciary Risk:

• The Junior Credit Analyst will be trained and mentored to handle daily procedures and download necessary reports.

Education: Bachelor’s degree required or equivalent experience

Business Experience:

0 - 2 years of relevant experience or demonstrated required level of proficiency

Specialized and/or Technical Knowledge

• Proficiency in Microsoft Excel, Power Point and Word
• Basic understanding of financial products such as Bonds, Stocks, ETFs and Mutual Funds
• Basic to intermediate presentation skills
• Excellent verbal and written communication skills
• Proactive, organized, and analytical skills
• Ability to multitask, prioritize activities, manage conflicts of interest, meet deadlines while working in a fast paced environment
• Ability to achieve efficient and productive results by working together with different departments

Languages:

English and Spanish (both fluent in verbal & written)

Working Conditions: Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer Rights: Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$48,750.00 USD

Maximum:

$83,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions:

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next:

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.

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