Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

This is an individual contributor position. The primary function of the Credit Risk Review Senior Supervisor is to maintain subject matter expertise in, and lead and participate in assessments of credit risk and credit risk management in the Company's corporate and investment banking units, including leveraged finance, large corporates, financial institutions, institutional commercial real estate, and structured finance, including project finance and warehouse lending. Specific experience in analyzing complex credit transaction structures will be a plus.

Position also assesses overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations. S/he performs testing in a timely manner, ensuring all review quality and client relations standards are met, and courteous and professional behavior is observed in all situations. The incumbent reviews individual loan files and other materials for compliance with underwriting, credit monitoring, and portfolio management policies and standards, and contributes to the assessment of the quality, quantity, direction, and overall credit risk in the organization through planned vertical and horizontal reviews, as well as continuous monitoring of the assigned loan portfolios.

• Leads and participates in credit risk reviews of the corporate and investment banking 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 corporate and investment banking 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.

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.

• Bachelor's Degree or equivalent work experience: Accounting, Finance, Business or equivalent field. - Required.
• Master's Degree: Accounting, Finance, Business or equivalent field. - Preferred.

• 12+ Years Banking experience, preferably concentrated in Corporate Credit Loan Review, Credit Risk Management, or other Corporate and/or Leveraged and Structured Finance Credit Risk functions; specific subject matter expertise in complex credit structures strongly desired.

• Ability to think critically and work independently with limited supervision.
• Analytical and detail oriented.
• 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.
• Excellent business writing skills.
• 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.
• 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.
• Working knowledge/ industry expertise of policies, procedures, and regulatory matters related to lending in the large corporate, financial institution, and structured finance sectors as well as credit products such as derivatives and letters of credit.
• Stays current with industry and regulatory trends and emerging risk issues and has good understanding of current market and competitive landscape in which the organization operates
• Follows through to meet commitments to others.
• Takes responsibility for achieving strong results, despite balancing multiple complex demands
• Problem-solving skills; identifies the component parts of a complex situation or problem and the relationship among variables that may not be obvious.

Certifications:

• CFA (Chartered Financial Analyst): Finance certifications desired - Preferred.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Link to Santander Benefits:

Santander Benefits - 2025 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.

What To Do Next:

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.

Primary Location: Concord, NH, Concord

Other Locations: New Hampshire-Concord,Texas-Austin,New Jersey-Trenton,New York-Albany,Connecticut-Hartford,Massachusetts-Boston,Pennsylvania-Harrisburg,Rhode Island-Providence

Organization: Santander Holdings USA, Inc.