Associate Director, Credit Risk

　　New York, United States of America

　　Job Description:

　　The Associate Director, Credit Risk is responsible for risk analysis and independent oversight of credit quality of assigned Commercial Real Estate portfolios. S/he is 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 Commercial Real Estate 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. Evaluate and make credit decisions on new transactions and renewals, ensuring quality and soundness, and alignment with risk appetite.

　　Essential Functions/Responsibilities:

　　Partners with Business Lines to recommend and vet new products initiatives, origination strategies, pre-approval and pre-qualification campaigns, underwriting techniques, peer group comparisons, and process optimization.

　　Assesses asset quality, status and appropriateness or existing risk controls/compliance with established underwriting policies/risk tolerance.

　　Ensures underwriting credit analysis is sound and justifies/mitigates the identified credit risk.

　　Provides a comprehensive range of risk management expertise requiring the creation, implementation and validation of various risk segmentation strategies using complex data.

　　Qualifications: 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

　　Work Experience:

　　12-15 years - Risk Management, Credit Risk, or Internal Audit, in the Commercial Real Estate industry.

　　Skills and Abilities:

　　Must be able to evaluate and make credit decisions on new transactions and renewals, ensuring quality and soundness, and alignment with the business risk appetite.

　　Must have ability to deliver difficult messages professionally and in a non-confrontational manner.

　　Advanced knowledge and understanding/competency in regulatory matters and compliance.

　　Advanced risk, process, and control validation and/or assessment skills.

　　Advanced credit and risk, process, and control validation and/or assessment skills.

　　Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense

　　Demonstrated track record interacting and influencing regulators, external and internal audit.

　　Demonstrated expertise in Consumer and Banking businesses and applicable rules, regulations and processes.

　　Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.

　　Diversity & EEO Statements:

　　At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.

　　Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

　　Working Conditions:

　　Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting 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 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 at any time for any reason.

　　For the right candidate, this position can be fully remote.

　　For NYC Job Applicants: The base annual salary range for this position is $174,370 - $230,000. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

　　Bachelor of Science (BS) English

　　Primary Location: New York, NY, New York

　　Other Locations: New York-New York,Ohio-Columbus,North Carolina-Raleigh,Michigan-Lansing,Maryland-Annapolis,Virginia-Richmond,Iowa-Des Moines,Nevada-Carson City,New Hampshire-Concord,Alabama-Montgomery,Texas-Austin,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,Montana-Helena,California-Sacramento,Nebraska-Lincoln,Arizona-Phoenix,West Virginia-Charleston,New York-Albany,Wisconsin-Madison,Colorado-Denver,Wyoming-Cheyenne,Indiana-Indianapolis,Missouri-Jefferson City,Georgia-Atlanta,Connecticut-Hartford,Oklahoma-Oklahoma City,Massachusetts-Boston,Illinois-Springfield,Utah-Salt Lake City,Mississippi-Jackson,Florida-Tallahassee,Delaware-Dover,Hawaii-Honolulu,Washington-Olympia,Maine-Augusta,New Mexico-Santa Fe,South Dakota-Pierre,Arkansas-Little Rock,Pennsylvania-Harrisburg,Tennessee-Nashville,North Dakota-Bismarck,Kentucky-Frankfort,Idaho-Boise,Minnesota-St Paul,Rhode Island-Providence,Oregon-Salem,Louisiana-Baton Rouge,District of Columbia-Washington,Kansas-Topeka

　　Organization: Santander Bank N.A.

　　AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO