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Associate, Credit Risk

Company: Santander Bank
Location: East Providence
Posted on: January 24, 2019

Job Description:

Description:

The Business Banking Risk

Quality Assurance (QA) Credit Analyst is responsible for oversight and testing

of the Underwriting function to ensure adherence to credit policy, risk

appetite and regulatory guidance. The program operates in the second line of

defense and requires the full re-evaluation of sampled loans with issues

tracked and communicated to executive management.

This position requires

strong, collaborative, and cross functional partnerships to ensure that

identified deficiencies are remediated in a timely manner.

Responsibilities\:



  • Prepare executive

    summary of findings with recommended corrective actions, challenge 1st line of

    defense corrective action plans and monitor execution of corrective action

    plans.




    • Periodically review

      underwriting procedures to test for accurate




      • representation of

        credit policy and intended execution of strategies designed by the 2nd line of

        defense credit risk organization.




        • On-going input into

          the design and maintenance of the QA Program in order to ensure underwritten

          loans conform to credit policy, risk appetite and regulatory guidance.




          • Evaluate sampled loans

            leveraging both randomized and targeted techniques. Loan level reviews include,

            but are not limited to, recalculation of qualifying income and general

            conformance to Credit policy.




            • Perform independent

              reviews and testing of first line of defense control environment including QA

              programs to ensure proper controls exist to identify and control risk taking

              within the underwriting function.



              Qualification:



              • Bachelors or

                Equivalent.




                • At least 5 years--

                  experience in commercial underwriting, portfolio management or credit

                  administration.




                  • Technical

                    Qualifications - Bach degree in Finance, Economy, Business Administration or equivalent

                    work experience.




                    • Strong working

                      knowledge of Business Banking Loan

                      policies and procedures.




                      • Technically

                        proficient, execution focused, with strong business acumen.




                        • Strong working

                          knowledge / industry expertise of regulatory matters related to business

                          banking/commercial lending.




                          • Strong written and

                            verbal communication skills, understanding/competency in regulatory matters and

                            compliance, preferably concentrated in retail credit risk functions, retail

                            loan review, regulatory environment or consumer lending.




                            • Flexible & adaptable

                              to competing and changing priorities




                              • Strong technical

                                skills with proficiency in MS Office suite, SQL, SAS.

                                Keywords: Santander Bank, East Providence , Associate, Credit Risk, Other , East Providence, Rhode Island

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