Corporate & Investment Banking Credit Risk Review Senior Associate

　　Boston, United States of America

　　The primary function of the Credit Risk Review Senior Associate is to maintain subject matter expertise in, and lead and participate in assessments of credit risk and credit risk management in the Company's corporate and investment banking units, including leveraged finance, large corporates, financial institutions, institutional commercial real estate, and structured finance, including project finance. Specific experience in analyzing complex credit transaction structures will be a plus. This position also assesses overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations.

　　The Senior Associate performs testing in a timely manner, ensuring all review quality and client relations standards are met, and courteous and professional behavior is observed in all situations. The incumbent reviews individual loan files and other materials for compliance with underwriting, credit monitoring, and portfolio management policies and standards, and contributes to the assessment of the quality, quantity, direction, and overall credit risk in the organization through planned vertical and horizontal reviews, as well as continuous monitoring of the assigned loan portfolios.

　　Leads and participates in credit risk reviews of the corporate and investment banking portfolios and contributes to the preparation of the review summary, findings, observations, and recommendations.

　　Assesses asset quality, status, and appropriateness of existing credit risk controls/ compliance with established underwriting policies/risk tolerance.

　　Ensures appropriate and timely assignment of risk ratings and identification and management of deteriorating credits.

　　Reviews required documentation for loan review testing, inclusive of conducting credit file reviews and completing necessary linesheets.

　　Assesses the effectiveness of portfolio management and credit monitoring functions and reporting.

　　Follows up and tracks recommendations issued from prior reviews; performs validation of completed remediation.

　　Follows up and tracks regulatory recommendations; performs validation of completed remediation.

　　Monitors performance of the corporate and investment banking portfolios through a broad spectrum of continuous monitoring activities to identify emerging trends and risks.

　　Assesses and monitors credit risks related to new products and business initiatives.

　　Qualifications

　　Bachelor's Degree; in Accounting, Finance, Business or equivalent field, or equivalent work experience.

　　12+ years banking experience, preferably concentrated in Corporate Credit Loan Review, Credit Risk Management or other Corporate and/or Leveraged and Structured Finance Credit Risk functions; specific subject matter expertise in complex credit structures strongly desired.

　　Technology and computer skills, with the ability to effectively use Microsoft Office (Word, Excel, Outlook, PowerPoint); proficiency with data analytics and business intelligence tools is a plus

　　Ability to think critically and work independently with limited supervision.

　　Analytical and detail oriented.

　　Strong organizational and time management skills with ability to complete multiple projects simultaneously and in a timely manner.

　　Project management skills and ability to direct others when leading an assignment.

　　Ability to effectively interact and communicate with business line and credit risk personnel across the organization through strong written and verbal communication skills; communicate in a timely and straightforward manner.

　　Solid diplomatic skills with the ability to resolve conflict; ability to establish rapport with all parties in order to mitigate tension.

　　At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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.

　　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 annual salary range for this position is $125,000 to $175,500. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

　　English

　　Primary Location: New York, NY, New York

　　Other Locations: Massachusetts-Boston,New York-New York

　　Organization: Santander Holdings USA, Inc.

　　AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO