Associate Director, Credit Risk Associate Director, Credit Risk …

in Dallas, TX, United States
Permanent, Full time
Be the first to apply
in Dallas, TX, United States
Permanent, Full time
Be the first to apply
Associate Director, Credit Risk

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Associate Director, Credit Risk Req ID: 2002957 Date posted 09/18/2020 Associate Director, Credit Risk - 2002957 Description

The Associate Director, Credit Risk provides independent assurance and governance advisory services regarding information risk processing, storage, and transmission of information to the 1st and 2nd lines of defense. The incumbent identifies emerging Risk Management Information risks and consults with senior leadership on best risk-management implementation actions to manage and mitigate risk.

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

  • Delivers industry best practices, tools, guidance, and training to increase analytical capabilities and throughput.

  • Demonstrates subject matter expertise and serves as an authority and credible challenge to management regarding credit performance, potential or emerging risks, and business conformity with risk appetite, credit culture, and policies.

  • Develops and executes strategies and credit policies for lending portfolios to mitigate credit risks without impacting portfolio growth or asset quality objectives and to correct risk budget deviations.

  • Develops, implements and manages the Credit Risk projects assigned (i.e., credit process controls, credit & behavioral scoring tools and techniques, credit bureau coordination and mitigation).

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

  • Establishes and oversees tactical plans to achieve desired asset quality for lending portfolios including the design of annual credit management programs to monitor their compliance and deviations.

  • 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.

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

  • Reviews credit decisions analyzing sampling of loans to give feedback to the Credit Cycle and be in compliance with Regulations.

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

  • Bachelor's Degree; Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field required.

  • Master's Degree; Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field or equivalent work experience preferred.

  • 12-15 years’ experience; Risk Management, Credit Risk, or Internal Audit, Consulting/Project Management and Financial Services industry.

  • experience strongly preferred.

  • Ability to convey a sense of urgency and drive issues/projects to closure.

  • Ability to direct, train and guide peers, subordinates and management.

  • Ability to effectively interact and communicate with senior management across the enterprise.

  • 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.

  • Ability to strategically generate well supported conclusions based on trend analysis, credit risk due diligence performed, understanding of the Banks risk appetite and assessment of managements capabilities.

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

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

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

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

  • Demonstrated track record interacting and influencing regulators, external and internal audit., Excellent analytical, organizational and project management skills.

  • Excellent written and oral communication skills.

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

  • Superior project management skills.

  • Minimal physical effort such as sitting, standing, and walking.

  • Brings out the best in each team member by consistently motivating and acknowledging peer contributions.

  • Understands and leverages team dynamics,

  • Effectively conveys difficult or complex information in an easy to understand manner, by providing the big picture and illustrating important linkages Asks open-ended questions that encourage others to give their points of view.

  • Ensures people receive the information they require and brings the team together to share information.

  • Ensures that all directs, and colleagues have appropriate knowledge of risk and the regulatory environment.

  • Investigates and identifies the root cause and corrects items deemed non-compliant, regardless of pressures from business or management.

  • Fully accountable for timeliness, completeness, quality of projects, processes, products and services.

  • Remains calm and focused on goals while facing pressures, obstacles or short-term setbacks.

  • Improves relationships between key individuals to achieve seamless cross-team workflow and positively impact results.

  • Uses informal networks to gain support for ideas and projects,

  • Keeps up to date with external market events, pressures and regulations which may impact the organization and assesses whether similar issues exist in the organization.

  • Can identify functional and organizational implications associated with major trends.

  • Designs solutions to address industry activities that impact the organization.

  • Monitors adherence to policies, regulations, processes and procedures within function and actively undertakes corrective action where necessary.

  • Understands end to end processes across the organization and how processes are integrated.

  • Has a practical knowledge of regulations impacting area supported.

Job : Risk Management Primary Location : Texas-Dallas-1601 Elm Street - 02302 - Dallas Organization: CRO (8855) Schedule : Full-time Job Posting : Sep 18, 2020, 1:54:34 PM Share this job
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