USA Sr. Associate, Credit Risk (046RI1)Country: United States of America
USA Job Function Description: Ensures adherence to the policies and procedures established by the company. An integral member of the US Leveraged Finance Risk team with primary responsibilities including working on transactions alongside coverage teams, Leveraged Finance Front Office teams, and 1LOD as well as monitoring performance of an assigned portfolio.
Essential Functions/Responsibility Statements:
Setting of appropriate internal credit risk ratings and regulatory risk ratings on assigned portfolio. Ability to multi-task while covering multiple transactions simultaneously.
Partnering with 1LOD, other 2LOD teams, and 3LOD to ensure we are meeting both internal and external expectations.
Join client due diligence discussions and form an opinion on a transaction.
Provides appropriate check and challenge to 1LOD on transactions, risk ratings, etc.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education: Bachelor's Degree or equivalent work experience
Work Experience: 9-12 years ; Risk Management, Credit Risk or Internal Audit experience with a minimum of 5 years within a Leveraged Finance Risk role.
Skills and Abilities:
Advanced knowledge of the financial statement analysis, accounting, credit, modeling financial projections, discounted cash flow analysis, and regulatory risks within Financial Industry.
Demonstrated knowledge of credit policies and procedures, regulations and applicable law(s).
Demonstrated credit analysis skills for evaluating new transactions, formulating an opinion, and providing a recommendation as well as being able to monitor client performance.
Deep understanding of banking products including derivatives, treasury products, etc.
Demonstrated track record interacting with the regulators, external and internal audit. Excellent written and verbal communication.
Ability to interact with all levels of management, work independently and in a team environment.
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. 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.
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.
$101,250.00 USD
$185,000.00 USD
