The Difference You Make:

The Sr. Analyst, Credit Risk is responsible for independent risk analysis and oversight of the credit quality of prime auto finance portfolio and may also monitor risk exposures arising from other banking activities.

Position Summary

This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department. The Sr. Analyst also reviews, analyzes, and evaluates the Company’s credit risk management program to support risk-based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets, products, and services.

• Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures.

• Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow-up actions.

• Supports credit risk assessments by analyzing risk data, identifying plausible business and operational impacts, and maintaining accurate documentation.

• Serves as a department point of contact by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates.

• Researches emerging credit risks, market trends, and credit risk management best practices, and summarizes findings for the team.

• Evaluates credit risk management contingency plans and existing controls, and recommends opportunities to improve effectiveness and reduce risk.

• Prepares review memoranda summarizing liabilities, observations, and recommended follow-up evaluations.

• Reinforce a risk-aware culture through the communication of credit and risk policies and guidelines.

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 or equivalent work experience in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Required.

• Master’s Degree in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Preferred.

Professional Experience

• 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field – Required.

• 1+ years of experience with SQL programming or equivalent programming language (i.e. Python), Power BI or similar data visualization and analytics tool – Required.

• Basic understanding of reporting, dashboarding and data visualization concepts – Preferred.

• Familiarity with querying, validation and reconciling data from multiple sources – Preferred.

Skills

• Ability to work with large and complex datasets, perform data analysis and communicate insights and findings effectively – Required.

• Strong quantitative capabilities and analytical skills, including an investigative mindset.

• Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook.

• Ability to analyze risk and provide recommendations and resolutions to minimize exposure.

• Strong written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely.

• Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner.

• Ability to build and foster internal relationships.

• Strong organizational and time management skills.

• Ability to work independently as well as collaboratively within a team environment.

• Ability to stay current on industry best practices, procedures, and techniques.

• Ability to change direction as project demand dictates.

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.

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:

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.

What To Do Next:

If this sounds like a role you are interested in, then please apply.