Consumer Credit Risk Sr. Associate

Banco Santander Brazil • Harrisburg, PA

49d

About The Position

The Consumer Credit Risk Sr. Associate is responsible for risk analysis and independent oversight of credit quality of assigned portfolios. They are responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and/or risk reduction for the department. 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. Oversees and ensures consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes. Ensures and executes ongoing maintenance of controls, mitigation plans, testing, and/o credit risk assessments. Partners with the accountable business owner for effective 1st and 2nd line of defense Risk Management and Controls. Provides oversights on risk-management content/processes

Requirements

• Bachelor's Degree or equivalent work experience.
• 9+ years in Credit RIsk in the Banking or Financial Services Industry.
• Advanced Proficiency with SQL, Python and Power BI required.
• Advanced knowledge of the operational, accounting, credit, regulatory, market and technological risks within Financial Industry.
• Demonstrated knowledge of credit policies and procedures, regulations and applicable law(s).
• Demonstrated credit analysis skills for understanding/tracking counter party performance and market risk & modeling skills for evaluating trade positions and the related counter party risk exposures.
• Demonstrated track record interacting with the regulators, external and internal audit.
• Superior project management skills.
• Excellent written and verbal communication.
• Ability to interact with all levels of management, work independently and in a team environment.

Nice To Haves

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

Responsibilities

• 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.
• Oversees and ensures consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes.
• Ensures and executes ongoing maintenance of controls, mitigation plans, testing, and/o credit risk assessments.
• Partners with the accountable business owner for effective 1st and 2nd line of defense Risk Management and Controls.
• Provides oversights on risk-management content/processes

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 5,001-10,000 employees