Senior Credit Risk Analyst - Auto Financing

It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high‑impact brand into a technology‑driven organization. Our people are at the heart of this journey and together, we are driving a customer‑centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. We Want to Talk to You! The Difference You Make: The Sr. Analyst, Credit Risk is responsible for independent risk analysis and oversight of the credit quality of non‑prime auto finance portfolio and may also monitor risk exposures arising from other banking activities. This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department. The Sr. Analyst also reviews, analyzes, and evaluates the Company’s credit risk management program to support risk‑based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets, products, and services. Position Summary Analyzes credit risk trends across assigned portfolios and escalates emerging issues in accordance with company policy and procedures. Reviews identified credit risks, liabilities, and exposures, and partners with business lines to recommend mitigation strategies and follow‑up actions. Supports credit risk assessments by analyzing risk data, identifying plausible business and operational impacts, and maintaining accurate documentation. Serves as a department point of contact by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates. Researches emerging credit risks, market trends, and credit risk management best practices, and summarizes findings for the team. Evaluates credit risk management contingency plans and existing controls, and recommends opportunities to improve effectiveness and reduce risk. Prepares review memoranda summarizing liabilities, observations, and recommended follow‑up evaluations. Reinforce a risk‑aware culture through the communication of credit and risk policies and guidelines. What You Bring: 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 in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Required. Master’s Degree in Accounting, Business, Statistics, Information Systems, Finance, Economics, or a related field – Preferred. Professional Experience 1+ years of experience in Risk Management, Credit Risk, Internal Audit, or a related field – Required. Skills Demonstrated credit analysis skills, including the ability to understand and track market risk and evaluate related risk exposures. Ability to work with large databases and datasets to extract and convert data into useful results. Strong quantitative capabilities and analytical skills, including an investigative mindset. Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook. Ability to analyze risk and provide recommendations and resolutions to minimize exposure. Strong written and verbal communication skills, including the ability to summarize, document, and communicate information clearly and concisely. Ability to effectively communicate instructions, articulate issues, and document findings in a clear and concise manner. Ability to build and foster internal relationships. Strong organizational and time management skills. Ability to work independently as well as collaboratively within a team environment. Ability to stay current on industry best practices, procedures, and techniques. Ability to change direction as project demand dictates. Certifications: No Certifications listed for this job. You Would Be Nice to Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Work Authorization & Sponsorship: Applicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship to commence employment. Base Pay Range: Minimum: $56,250.00 USD Maximum: $107,500.00 USD Benefits: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well‑being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. 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 is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. 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 your employment at any time for any reason. #J-18808-Ljbffr Santander US