Senior Analyst, Credit Risk

Country: United States of America

The Difference You Make:
The Sr. Credit Risk Analyst is responsible for the maintenance and application of the Secured Lending Model in BSI; the Security Master Price Certification; and all Structural Fiduciary Risk controls as 2LoD monitoring of the Products Department. The position supports the Solvency, Market and Liquidity Risk areas in the development, analysis and reporting requested by Head Office and the US Governance, local and foreign regulators.

The Sr. Credit Risk Analyst reports to the Solvency & Market Risk Director.
• Proactive identification of issues or concerns related to potential gaps in existing processes, procedures, policies, frameworks, etc.
• Contribution to satisfactory results in audit reviews, compliance reviews, and regulatory examinations (internal/ external), Compliance and Regulatory Agency reviews; response to required corrective actions in a timely and complete manner.
• Completion of all assigned training (Compliance, Bank Secrecy Act, Audit, Code of Conduct, etc.) and reporting requirements within set timeframes.
• Adherence to the Code of Conduct, assigned Risk Tolerance or Mandates and all organizational policies and procedures applicable to role.

Structural Fiduciary Risk
• Performs Pricing Certification activities for the Security Master on Bloomberg PolarLake and submits JIRA tickets for maintenance requests.
• Executes Structural Fiduciary Risk control activities as part of the Second Line of Defense for discretionary portfolios within the Product Department.
• Conducts broker due diligence reviews and maintains supporting documentation.
• Calculates Loan-to-Value (LTV) metrics for the Commercial Team and performs manual LTV data cleansing in Globus.
• Applies and maintains the Secured Lending Model in accordance with established procedures.
• Conducts Secured Lending Value (SLV) and single-stock due diligence assessments.
• Supports SOX control walkthroughs and provides documentation to Internal Control teams, external auditors, and consultants.

Solvency, Market and Liquidity
• Prepares presentations and reporting materials for the Wealth Risk Forum, ALCO, Compliance Committee, and Wealth Credit Approval Forum, including quarterly LTV updates and issuer mapping analyses.
• Performs daily monitoring of Volcker Rule controls and escalates exceptions as appropriate.
• Conducts monthly monitoring and reporting of operating and intragroup limits.
• Performs control reviews related to Private Equity investments and Notes Capital at Risk exposures.
• Supports the completion of Volcker Rule attestations and related documentation.
• Assists with SOX control walkthroughs and provides support to Internal Control teams, external auditors, and consultants.

Data Analytics
• Extracts, validates, and analyzes data from multiple systems to support risk monitoring and business reporting requirements.
• Performs data quality reviews and reconciliations for reports including FX Intragroup, MM Intragroup, FX Reconciliation, Security Master LTV Updates, Volcker FX Detail, Credit Pipeline, Unused Lines of Credit, Composite Returns, Security Master Price Validation, Bloomberg PolarLake Instrument Maintenance, Stale Price Summary, Managed Cash, and Federal Reserve reporting.
• Produces recurring and ad hoc reports to support risk management, regulatory compliance, and business decision-making.
• Other duties as assigned or requested by immediate supervisor

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
• Master's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred

Experience
• 3+ years of relevant experience or demonstrated required level of proficiency

Technical
• BBA in Finance.
• Microsoft Office (Excel, VBA Macros).
• Bloomberg Market Concept.
• Financial Products: Bonds, Stocks, ETFs and Mutual Funds.
• Data analytical skills.

Languages
• Spanish, English

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:
$56,250.00 USD

Maximum:

$107,500.00 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.

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.