Associate, Quality Control

Banco Santander SA; United States; On-site; USD 145,000 - 175,000; Full time

Job summary

Banco Santander USA is seeking an Associate, Quality Control in the United States to join the CIB First Line of Defense. The role focuses on developing, managing, and executing Credit Risk QC programs to ensure underwriting aligns with internal standards and regulatory expectations.

You will collaborate with CIB Credit Professionals and Risk Managers to identify weaknesses, challenge results, and drive remediation.

Qualifications

• 5+ years of experience in credit management, internal controls, auditing, or risk management.
• Strong written communication skills with the ability to present findings to senior management.
• Advanced understanding of the regulatory environment affecting banking risks.
• Proficient in Microsoft Office and capable of using AI tools.

Responsibilities

• Develop, manage and execute Credit Risk QC programs.
• Ensure loan portfolio underwriting meets internal standards and regulatory expectations.
• Collaborate with Credit Professionals and Risk Managers on issues management and remediation.

Skills

Credit risk analysis

Regulatory knowledge

Written communication

Analytical skills

Microsoft Office

AI tools proficiency

Risk management

Education

Bachelor’s Degree in related field

Bank-certified Credit Training

Tools

Microsoft Office

Artificial Intelligence tools

Job description

Associate, Quality Control

Country: United States of America

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. If you are interested in exploring the possibilities

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, 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.

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. 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. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Ready to make it happen? It starts with you. It starts here.