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Sr. Supervisor, Credit Risk Review

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Sr. Supervisor, Credit Risk Review at Santander Holdings USA Inc summary:

As a Sr. Supervisor in Credit Risk Review, I lead assessments of credit risk and management within commercial banking, focusing on large commercial, industrial, and real estate transactions. My responsibilities include evaluating asset quality, ensuring compliance with underwriting policies, and managing credit risk across portfolios while providing recommendations for improvement. With over 12 years of experience in commercial banking, I utilize analytical skills and project management to monitor emerging trends and maintain effective risk controls.

Providence, United States of America

The primary function of the Commercial Credit Risk Review Senior Associate is to maintain subject matter expertise in, and lead and participate in assessments of credit risk and credit risk management in the Company's commercial and commercial real estate banking units, including large and multi-bank Commercial & Industrial, CRE, multi-family, and auto dealer financing. This position also assesses overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations.

Leads and participates in credit risk reviews of the Commercial, Commercial Real Estate, Auto Dealer Commercial Services, and Commercial Workout 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 commercial, real estate and Workout 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.

Qualifications

Education: Master’s Degree preferred; in Accounting, Finance, Business or equivalent field, or equivalent work experience.
12+ years commercial banking experience, concentrated in Loan Review, Credit Risk or Portfolio Management functions handling larger and multi-bank transactions in the C&I, Asset Based Lending, Leveraged Lending, and/or Commercial Real Estate segments; specific subject matter expertise in Commercial Workout credit management strongly desired.
Specific experience in Commercial Auto Dealer financing is a plus.
Technology and computer skills, with the ability to effectively use Microsoft Office (Word, Excel, Outlook, PowerPoint); proficiency with data analytics and business intelligence tools is a plus.
Ability to think critically and work independently with limited supervision.
Analytical and detail-oriented.
Excellent business writing skills.
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.
Ability to lead a team of reviewers and/or act as Examiner-in-Charge for reviews.
Ability to effectively interact and communicate with business line and credit risk personnel across the organization through strong written and verbal communication skills; communicate in a timely and straightforward manner.

Solid diplomatic skills with the ability to resolve conflict; ability to establish rapport with all parties in order to mitigate tension.

EEO Statement: At Santander, we value and respect differences in our workforce. 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. Occassional 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: 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.

Primary Location: Providence, RI, Providence

Other Locations: Rhode Island-Providence,Texas-Dallas,Massachusetts-Boston

Organization: Santander Holdings USA, Inc.

Salary: $105,000 - $175,000/year

Keywords:

credit risk management, asset quality assessment, commercial banking, loan review, portfolio management, regulatory compliance, risk ratings, credit monitoring, commercial real estate, multi-bank transactions

Average salary estimate

$140000 / YEARLY (est.)

min

max

$105000K

$175000K

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What You Should Know About Sr. Supervisor, Credit Risk Review, Santander Holdings USA Inc

As a Sr. Supervisor in Credit Risk Review at Santander Holdings USA Inc, you'll be at the forefront of managing and assessing credit risk within our commercial banking sector. This pivotal role not only focuses on large commercial, industrial, and real estate transactions but also emphasizes your analytical expertise to evaluate asset quality and ensure compliance with underwriting policies. With over 12 years of experience under your belt, your project management skills will shine as you monitor emerging trends and maintain effective risk controls across various portfolios. You’ll lead credit risk reviews, contribute to comprehensive reports, and ensure timely risk ratings are assigned. Your insights will help in identifying deteriorating credits and necessary improvements in risk management practices. This position is perfect for you if you possess a strong background in loan review, credit risk, and portfolio management, especially with multi-bank transactions. Being part of our small yet impactful team means you'll be constantly assessing and monitoring credit risks, validating compliance, and staying engaged with new products. Your ability to foster effective communication within our dynamic environment is essential, as is your knack for conflict resolution. With flexible working conditions and an active commitment to diversity, Santander offers an inclusive space where you can truly thrive. If you’re ready to take on a challenge and make a significant impact in commercial banking, we’d love to hear from you!

Frequently Asked Questions (FAQs) for Sr. Supervisor, Credit Risk Review Role at Santander Holdings USA Inc

What are the key responsibilities of a Sr. Supervisor, Credit Risk Review at Santander Holdings USA Inc?

As a Sr. Supervisor in Credit Risk Review at Santander Holdings USA Inc, your key responsibilities include leading assessments of credit risk within commercial banking, evaluating asset quality, ensuring compliance with underwriting policies, and managing credit risk across various portfolios. You'll also oversee credit reviews and monitoring, addressing any issues with deteriorating credits and providing actionable recommendations for improvement.