Associate, Quality Control

Santander Consumer USA Inc.; Miami, Northern (FL, KY); Hybrid; USD 145,000 - 175,000; Full time

Job summary

Santander is seeking an Associate Credit Risk Quality Control professional in Miami to develop and execute the CIB Credit Risk Management Quality Control programs. The role ensures the loan portfolio is underwritten in line with industry practices and internal credit standards and regulatory expectations.

You will partner with CIB Credit Professionals, Credit Risk Managers and Issues Management to address issues, provide independent challenge, identify control weaknesses, and drive remediation

Qualifications

• Bachelor’s Degree in related field or equivalent demonstrated through work experience, training, or education.
• 5+ Years Experience in Credit Management, Internal Controls, Auditing, Risk Management or related field.
• Experience executing risk projects across multiple business lines with financial services products.
• Strong written communication and ability to present findings to senior management.
• Advanced understanding of regulatory environment and LOD expectations.
• Judgment in escalation and risk-based reporting to executives.
• Ability to work independently and in teams with all levels of staff.
• Strong analytical skills and proficiency with financial statements.
• Proficient in MS Word, Excel, PowerPoint and AI tools.

Responsibilities

• Develop and manage CIB Credit Risk QC programs and ensure loan underwriting meets internal standards and regulatory expectations.
• Provide independent challenge to business and credit teams and identify control weaknesses.
• Partner with CIB Credit Professionals, Credit Risk Managers and Issues Management on remediation.
• Document findings clearly and present conclusions to senior management.
• Collaborate with internal and external service providers to meet resource and service levels.

Skills

Credit risk

Internal controls

Auditing

Risk management

Strong communication

Regulatory knowledge

Microsoft Office

AI tools

Education

Bachelor’s Degree or related field

Tools

Microsoft Office

AI tools

Job description

It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

The Difference You Make:

The Associate Credit Risk Quality Control position operates within the CIB First Line of Defense to develop, manage and execute the CIB Credit Risk Management Quality Control (Credit QC) programs. The Associate position will be responsible for ensuring the loan portfolio is underwritten consistent with industry practices and conforms to all internal credit standards and procedures and all regulatory expectations. The Associate will partner with the CIB Credit Professionals, Credit Risk Managers and CIB Issues Management on issues management and remediation.

The position provides independent challenge to business and credit teams, identifies credit and control weaknesses and supports remediation efforts to ensure compliance with internal policies, regulatory expectations and industry best practices.

What You Bring:

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: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required

Qualifications:

• 5+ Years Experience in Credit Management, Internal Controls, Auditing, Risk Management or other relevant line of business - Required.

• Demonstrated experience executing risk projects across multiple business lines offering a wide variety of financial services products and services.
• Strong written communication skills with the ability to clearly document findings and present conclusions to senior management.
• Advanced understanding of the regulatory environment and how the risks of the products and services the bank offers are viewed by the Second Line of Defense and regulators.
• Demonstrated judgement in escalation, ensuring risk-based clear line of sight for senior executives into existing and emerging issues/incidents.
• Ability to constructively work both independently and in collaborative environments involving all levels of management and employees.

• Strong analytical skills and proficient with financial statements.

• Excellent analytical and complex problem-solving skills. High attention to detail and commitment to accuracy.
• Ability to collaborate with internal and external service providers to establish resource requirements, scheduling, assignments and service levels.

• Demonstrated practical and conceptual knowledge of credit and risk analysis.
• Solid knowledge of credit agreements and related legal documents.
• Proficient in Microsoft Office, including Word, Excel and PowerPoint.
• Proficient in use of Artificial Intelligence tools

Certifications:

• Other: Completion of bank-certified course in Credit Training - Preferred.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship:

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

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: $145,000.00 USD

Maximum: $175,000.00 USD

We Value Your Impact:

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 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, standingand 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.