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Regional Credit Director
Banco Santander
New York, NY, United States
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Description
Santander’s Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending, energy, education, health care and government.
Our clients rely on the strength of Santander’s balance sheet and the degree to which our relationship managers understand their businesses in order to develop the most relevant and compelling solutions. In addition, Santander’s significant international presence in regions around the world uniquely positions us to help companies grow their business, both near and far.
Will be responsible for commercial credit risk management activities in the leveraged finance market including quality, integrity and soundness of all financial analysis, underwriting and credit approval processes for assigned portfolios. Provides senior leadership, overall supervision, direction and guidance to assigned market. In line with Commercial Credit Risk model, leads oversight of Credit Policy and regulatory compliance and controls for assigned market. Manages partnerships with Corporate Banking and other business line partners. Works with the Chief Credit Officer in developing and implementing performance objectives, policies, programs and strategic risk management business plans.
Duties & Responsibilities:
• Ensures adherence to the Commercial Credit Risk Model for Commercial Banking within designated market
• Enforces Credit Policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions within a Credit Team
• Manages productivity, procedures, standards and compliance with Credit Policy and Best Practices
• Manages credit approval process within designated market
• Works strategically with the sales team to achieve business objectives
• Manages regional portfolios to maintain asset quality
• Provides guidance, direction and mentoring to Regional Credit Managers
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.
Qualifications
• Bachelors Degree in Business Admin, Accounting, Finance, Economics or equivalent experience
• 12+ years as a Senior Credit Officer, Senior Loan Workout Officer or other related position
• Demonstrated track record of strong individual contributions, interacting with Executive level management and working within a team environment
• Excellent written/verbal communication and interpersonal skills
• Strong negotiation and presentation skills
• Thorough knowledge of credit policies, procedures, regulations and applicable law