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.
If you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make:
The VP - Leveraged Finance Credit Risk is responsible for risk analysis and independent oversight of credit quality of assigned portfolios. They are responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and/or risk reduction for the department.
The incumbent is responsible for reviewing, analyzing, and/or evaluating the Company's credit risk management program that renders risk-based processing and reporting to reduce operating losses and maintain maximum protection of the organization's assets, products, and services. The Sr. Associate will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the department.
Oversees and ensures consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes.
Ensures and executes ongoing maintenance of controls, mitigation plans, testing, and/o credit risk assessments.
Partners with the accountable business owner for effective 1st and 2nd line of defense Risk Management and Controls.
Provides oversights on risk-management content/processes.
Monitors assigned lending and/or trading units compliance within credit policy and underwriting standards.
Provides independent oversight of all aspects of credit quality of assigned portfolios, including the daily approval process of individual credits a daily approval process of individual credits and the formal review process of the portfolio as a whole.
Participates in the development of specialty lending and/or trading underwriting standards and guidelines as well as being responsible for the overall credit quality monitoring of portfolios, including the review of delinquencies, risk ratings, industries, etc.
Leads special risk mitigation projects and/or programs, business continuity and other incident response and security related activities supporting industry best practices, improved efficiency, effectiveness and risk reductions.
Influences others at an operational level regarding new concepts, best practices and approaches related to credit risk mitigation, credit risk identification and resolution, and/or credit risk management.
Systematizes ad hoc reporting for line of businesses and team members to facilitate miscellaneous senior and executive management reporting and status updates as needed. Where required, provides review and challenge for senior management reporting.
Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship
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.
Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required.
Master's Degree: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred.
9+ Years Risk Management, Credit Risk or Internal Audit experience. - Required.
9+ Years Financial Industry experience. - Required.
9+ Years Consulting - Preferred.
Advanced knowledge of the operational, accounting, credit, regulatory, market and technological risks within Financial Industry.
Demonstrated knowledge of credit policies and procedures, regulations and applicable law(s).
Demonstrated credit analysis skills for understanding/tracking counter party performance and market risk & modeling skills for evaluating trade positions and the related counter party risk exposures.
Demonstrated track record interacting with the regulators, external and internal audit.
Superior project management skills.
Excellent written and verbal communication.
Ability to interact with all levels of management, work independently and in a team environment.
Ability to multi-task, prioritize activities, manage conflicts of interest, delegate, and meet deadlines while working in a fast paced-environment.
Ability to analyze risk and design efficient control practices and processes to remediate/minimize risk.
Strong presentation skills.
Certifications:
No Certifications listed for this job.
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.
Experience in Microsoft Office products.
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:
$101,250.00 USD
Maximum:
$185,000.00 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) (https://businessolver.foleon.com/santander/2026-santander-eguide/)
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.
What To Do Next :
If this sounds like a role you are interested in, then please apply.
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
