Senior Credit Risk Analyst - Auto Financing

About the role

The Sr. Analyst, Credit Risk is responsible for independent risk analysis and oversight of the credit quality of prime auto finance portfolio and may also monitor risk exposures arising from other banking activities. This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department.

Responsibilities

• Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures.
• Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow-up actions.
• Serves as a department point of contact by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates.
• Researches emerging credit risks, market trends, and credit risk management best practices, and summarizes findings for the team.
• Evaluates credit risk management contingency plans and existing controls, and recommends opportunities to improve effectiveness and reduce risk.
• Prepares review memoranda summarizing liabilities, observations, and recommended follow-up evaluations.
• Reinforce a risk-aware culture through the communication of credit and risk policies and guidelines.

Qualifications

• 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field.
• 1+ years of experience with SQL programming or equivalent programming language (i.e. Python), Power BI or similar data visualization and analytics tool.
• Basic understanding of reporting, dashboarding and data visualization concepts.
• Familiarity with querying, validation and reconciling data from multiple sources.
• Strong quantitative capabilities and analytical skills, including an investigative mindset.
• Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook.
• Ability to analyze risk and provide recommendations and resolutions to minimize exposure.
• Strong written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely.
• Ability to build and foster internal relationships.
• Strong organizational and time management skills.
• Ability to work independently as well as collaboratively within a team environment.
• Ability to stay current on industry best practices, procedures, and techniques.

Benefits

We offer a comprehensive benefits package that includes health insurance, retirement savings plans, and paid time off. Santander is committed to supporting your well-being and providing resources to help you thrive both personally and professionally.