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Credit Risk Analyst

Company: Santander Holdings USA Inc
Location: Wylie
Posted on: October 17, 2020

Job Description:

Job Family: Risk

Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Job Function: Risk Management

Ensures adherence to the policies and procedures established by the company. Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies. Monitors and manages risk/exposure and compliance with the company's policies. Identifies, manages and reports on the company's risk areas. Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.

Summary of Responsibilities:

The Analyst, Analytics supports the enhancements of risk-based analytical products and tools to improve business value and service quality according to business needs and industry best practices.

Essential Functions:

  • Performs data mining and analytics to provide strategic business recommendations
  • Reviews identified risks and liabilities; informs and recommends resolutions with business lines to mitigate risk potential
  • Monitors, oversees, reports, and analyzes key risk indicators to drive business decisions
  • Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management, originations, and operational loss.
  • Prepares monthly dashboard reports, identifying trends and presenting thoughtful, actionable solutions for implementation
  • Identifies and prepares relevant information/data sources for risk analysis.
  • Fosters new risk data-driven approaches to generate business insight and address unanswered business problems.
  • Supports the enhancements of analytical risk-based products and services to improve business value and service quality according to business needs and industry best practices.
  • Supports the exploration and development of future internal products which will be leverages for risk analytics.
  • Builds and maintains sustainable relationships with key business stakeholders.
  • Validates, interprets, and presents data findings to team; encapsulates analytic findings into executive-level summary documents to support senior management decision-making.
  • Analyzes trends in risk data and escalates developments according to company policy and procedures for risk escalations
    Other Functions:
    • Other duties as assigned.
      • Education -
        • Bachelor's Degree: Finance, Economics, Management Information Systems, Statistics or equivalent quantitative field.
        • or equivalent work experience
        • Experience -
          • 0-3 years
          • Skills & Abilities -
            • Practical and theoretical knowledge of data analysis, data presentation, and data development.
            • Demonstrated knowledge of basic data mining and analytics principles, concepts and policies.
            • Proficient MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills.
            • Knowledge of statistical applications within Financial Services to interpret data requests and identify data analytics opportunities.
            • Strong analytical, problem solving and critical thinking skills.
            • Ability to summarize, document, and communicate information in a clear and concise manner.
            • Ability to stay abreast of industry best practices, procedures, and techniques.
            • Ability to build and foster internal relationships.
            • Ability to adhere to policies, procedures, and instructions of management.
            • Ability to change direction as project demand dictates.
            • Knowledge and practical experience using statistical packages for analyzing data sets (Excel, Access, SPSS).
            • Ability to focus on details to ensure and maintain data accuracy.
            • Ability to effectively handle multiple projects simultaneously in a deadline driven environment.
            • Strong verbal and written communication skills.
              • Collaboration - Relationship Management:
                • Foundational - Learning and Developing
                  • Builds effective working relationships with peers

                  • Collaboration - Teamwork:
                    • Foundational - Learning and Developing
                      • Works effectively in team settings
                      • Shows appreciation for others' help and lends a hand when needed to complete shared tasks

                      • Execution - Accountability:
                        • Foundational - Learning and Developing
                          • Maintains professional behavior at all times in representing the company
                          • Does all routine work accurately and on-time; is aware of own impact on others

                          • Influence - Information Sharing:
                            • Foundational - Learning and Developing
                              • Openly and proactively shares information

                              • Influence - Two-way communication:
                                • Foundational - Learning and Developing
                                  • Communicates clearly and precisely
                                  • Listens carefully and asks questions to clarify understanding

                                  • Risk Business Acumen - Industry Acumen:
                                    • Foundational - Learning and Developing
                                      • Knows who the organization's key customers and competitors are
                                      • Has basic understanding of financial services industry and how organizations operate

                                      • Risk Management - Knowledge of Risk Management Policies, Regulations, Processes and Procedures:
                                        • Foundational - Learning and Developing
                                          • Learns about and diligently follows established risk management policies, processes and procedures

                                          • Risk Management - Risk and Compliance Adherence:
                                            • Foundational - Learning and Developing
                                              • Understands the central role the risk management function plays in the organization environment
                                              • Learns to identify and flag items non-compliant with regulations

                                              • Working Conditions:
                                                • Frequently: Minimal physical effort such as sitting, standing, and walking.
                                                • Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.
                                                • Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.
                                                  Employer's Rights:
                                                  • This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will 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 employment at any time, for any reason.

Keywords: Santander Holdings USA Inc, Wylie , Credit Risk Analyst, Professions , Wylie, Texas

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