Commercial Credit Risk Review Sr. Supervisor (Remote)

Commercial Credit Risk Review Sr. Supervisor (Remote)

Country: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

This is an individual contributor position. The primary function of the Credit Risk Review Senior Supervisor is to maintain subject matter expertise in, and lead and participate in assessments of credit risk and credit risk management in the Company's corporate and investment banking units, including leveraged finance, large corporates, financial institutions, institutional commercial real estate, and structured finance, including project finance and warehouse lending. Specific experience in analyzing complex credit transaction structures will be a plus.

Position also assesses overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations. S/he performs testing in a timely manner, ensuring all review quality and client relations standards are met, and courteous and professional behavior is observed in all situations. The incumbent reviews individual loan files and other materials for compliance with underwriting, credit monitoring, and portfolio management policies and standards, and contributes to the assessment of the quality, quantity, direction, and overall credit risk in the organization through planned vertical and horizontal reviews, as well as continuous monitoring of the assigned loan portfolios.

• Leads and participates in credit risk reviews of the corporate and investment banking portfolios and contributes to the preparation of the review summary, findings, observations, and recommendations.
• Assesses asset quality, status, and appropriateness of existing credit risk controls/ compliance with established underwriting policies/risk tolerance.
• Ensures appropriate and timely assignment of risk ratings and identification and management of deteriorating credits.
• Reviews required documentation for loan review testing, inclusive of conducting credit file reviews and completing necessary linesheets.
• Assesses the effectiveness of portfolio management and credit monitoring functions and reporting.
• Follows up and tracks recommendations issued from prior reviews; performs validation of completed remediation.
• Follows up and tracks regulatory recommendations; performs validation of completed remediation.
• Monitors performance of the corporate and investment banking portfolios through a broad spectrum of continuous monitoring activities to identify emerging trends and risks.
• Assesses and monitors credit risks related to new products and business initiatives.

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, Finance, Business or equivalent field. - Required.
• Master's Degree: Accounting, Finance, Business or equivalent field. - Preferred.

• 12+ Years Banking experience, preferably concentrated in Corporate Credit Loan Review, Credit Risk Management, or other Corporate and/or Leveraged and Structured Finance Credit Risk functions; specific subject matter expertise in complex credit structures strongly desired.

• Ability to think critically and work independently with limited supervision.
• Analytical and detail oriented.
• Strong organizational and time management skills with ability to complete multiple projects simultaneously and in a timely manner.
• Project management skills and ability to direct others when leading an assignment.
• Excellent business writing skills.
• Ability to effectively interact and communicat