Santander Bank, NA Credit Risk Review Analyst II in Dallas, Texas

Credit Risk Review Analyst II - 1804337



Under the direction of the Unit manager and CRR Officers, participate in the business unit assessments of the Banks retail lending units to assess overall asset quality, risk and compliance with established underwriting policies, procedures, limits and concentrations. Review individual loan files for compliance with underwriting and default management policy and procedure. Contribute to the assessment of the quality, quantity, direction and overall credit risk in the organization through planned vertical and horizontal reviews. Assist in the oversight of portfolio monitoring functions such as retail quality control, default/foreclosure management, credit risk/solvency reporting and other portfolio monitoring reporting. Contribute to the preparation of summary, findings and recommendations. Serve as mentor to junior analysts as needed.

  • Migrations, exception reporting, monitoring of SCPs, etc.

  • Perform continuous monitoring of the Banks portfolios through observation of quality control meetings.

  • Monitor historical performance through review of various credit metrics and credit risk reporting, inclusive of new originations, portfolio,

  • Follow up and track recommended remediation from prior reviews.

  • Review various management credit risk reporting to identify emerging risks.

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

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

  • Ensure integrity of portfolio monitoring and quality control processes.

  • Ensure appropriate charge-offs are taken timely.

  • Ensure appropriate collection, default management, and foreclosure strategies are in place and followed.

  • Participate in onsite examinations.

  • Review required documentation for loan review testing, inclusive of file reviews and complete necessary line sheets.

  • Prepare written summary report of findings/observations.




  • Accounting/Finance/Economics

  • Between 5 - 10 years’ experience

  • Ability to effectively interact and communicate with credit risk personnel across the Bank

  • Strong written and verbal communication skills, understanding/competency in regulatory matters and compliance

  • Working knowledge of Retail Loan policies/procedures

  • Working knowledge/ industry expertise of regulatory matters related to consumer lending, mortgages, credit cards, auto loans, and leasing; preferably concentrated in retail credit risk functions, retail loan review, regulatory environment or consumer lending

Job : Risk Management Strategy
Primary Location : Texas-Dallas


Organization : Internal Audit US (SSY_8880)
Schedule : Full-time
Job Posting : Jun 29, 2018, 8:51:27 PM