Credit Officer - Government Banking

Santander Bank   •  

East Providence, RI

Industry: Accounting, Finance & Insurance


8 - 10 years

Posted 253 days ago

This job is no longer available.

Duties & Responsibilities

  • Manages approval and commitment process (e.g. Committees) ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits
  • Works with Regional Managers and clients negotiating and communicating final deal structure and terms
  • Continuously monitors and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio
  • Visits clients and reviews client performance and financials
  • Provides guidance and mentoring to Credit Analysts
  • Evaluates financial performance of borrowers and based on a variety of factors, determines an appropriate risk rating
  • Makes  decisions or recommendations on renewals, modifications, etc
  • May identify cross sell opportunities
  • Authenticates all post loan closing activities, including conditions precedent to closing, are accurate and complete
  • Communicates final deal structure, pricing, terms and conditions to client and sales team maintaining integrity of formal Committee Approvals
  • Identifies early client risk/exposure, early detection of volatile industries and markets for assigned portfolio within designated region
  • Evaluates structures, risk rates and underwrites companies with risk exposure or potential risk exposure to the bank

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams.  We actively encourage everyone to apply.


  • Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience. 
  • 7+ years of experience in a Senior Credit, Loan or Workout position, or at least 3+ years of experience as a Credit or Loan Workout Officer
  • Ability to interact with all levels of management, work within a team environment and work independently
  • Ability to work with large databases and datasets for extraction and conversion into useful business information
  • Excellent technical and analytical skills
  • Excellent written/verbal communication and interpersonal skills
  • Knowledge of Microsoft Office, particularly Excel
  • Strong negotiation and presentation skills
  • Strong organizational and administrative skills
  • Ability to multi-task
  • Thorough knowledge of financial statements, accounting principles, Credit Policy, applicable laws and industry data sources.


:Commercial Risk Support