Credit Risk Analyst — Data-Driven Risk Insights

Santander; United States; On-site; USD 88,000 - 125,000; Full time

Job summary

Santander in the United States is seeking a Risk Analyst to provide independent oversight of credit quality for assigned portfolios and to analyze risk data to reduce potential losses. The Sr.

Analyst will review credit risk management programs and propose opportunities for improved efficiency and risk reduction. Responsibilities include analyzing trends, sharing insights with teams, and supporting risk assessments while ensuring regulatory compliance and documentation of findings.

Qualifications

• Bachelor’s degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• 1+ Years Risk Management, Credit Risk, Internal Audit or related experience. - Required.
• Demonstrated credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures.
• Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers.
• Strong quantitative capabilities and analytical skills, including an investigative mindset.
• Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills.
• Strong verbal and written communication skills.
• Ability to build and foster internal relationships.
• Strong organizational and time management skills.
• Ability to analyze risk and provide recommendations and/or resolutions to minimize risk.
• Ability to summarize, document, and communicate information in a clear and concise manner.

Responsibilities

• Analyzes trends in credit risk data and escalates developments according to company policy and procedures for risk escalations.
• Communicates and shares insight to causes of risk indicators and proposes recommendations to resolve or mitigate identified risks with team.
• Reviews identified credit risks and liabilities; informs and recommends resolutions with business lines to mitigate risk potential.
• Assists in processing risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations.
• Serves as a point of contact for the department by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates.
• Informs employees on credit and risk policies and guidelines to build a risk aware culture and practice across the organization.
• Researches a wide variety of topics and issues including emerging credit risks and trends and credit risk management best practices; summarizes and communicates findings with team.
• Evaluates credit risk management contingency plans and reports findings.
• Assists in processing credit risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations.
• Prepares appropriate review memorandum summarizing liabilities and recommending follow-up evaluations.
• Provides procedural guidance and support to junior analysts in the various functions of the department, and in the methods of tools of analysis.
• Interprets and applies credit and risk procedures, ensures analysis is documented and that records are maintained.
• Evaluates the strengths and weaknesses of existing controls and provides recommendations on opportunities for improvement.

Skills

Risk management

Credit risk

Data analysis

MS Office

Communication

Time management

Education

Bachelor's degree in related field

Master's degree preferred

Tools

Excel

PowerPoint

Outlook

Visio

Job description

Santander in the United States is seeking a Risk Analyst to provide independent oversight of credit quality for assigned portfolios and to analyze risk data to reduce potential losses. The Sr.

Analyst will review credit risk management programs and propose opportunities for improved efficiency and risk reduction. Responsibilities include analyzing trends, sharing insights with teams, and supporting risk assessments while ensuring regulatory compliance and documentation of findings.