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:
The Senior Commercial Bank Appraisal Reviewer supports the second line of defense by providing robust guidance, advice and challenge across the organization, helping to ensure reporting requirements are understood, owned and managed to the firm's risk appetite.

• Identifies potential risks and assesses impact, probability of occurrence and timeframe.

• Acts as a liaison between third line of defense and first line of defense.

• Shares knowledge, coaches, and develops staff capabilities to strengthen understanding of industry and business issues and best practices for implementation.

• Maintains a strong rapport with local risk teams to create a strong risk culture of performance and accountability.

• Facilitates and improves the processes and monitoring of portfolios within specific risks areas (i.e., Credit) and terms of enterprise objectives (compliance and regulation).

• Supports the business and provides robust guidance, advice and challenge across the organization, helping to ensure reporting requirements are understood, owned and managed to the firm's risk appetite.

• Implements quality controls and processes and determines resolution steps for quality issue, with escalation and reporting as required.

• Identifies enterprise trends, synergies, and opportunities for change within Risk.

• Ensures business activities and operations are in compliance with applicable policies, procedures and/or regulatory requirements.

• Investigates various risk inquiries, proposals, plans, and makes recommendations as directed by management or at own initiative.

• Presents comprehensive risk exposures and recommends process improvements and best practices for implementation to senior management.

• Maintains abreast emerging risk trends and best practices; summarizes and communicates findings with team.

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, 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. - Preferred.

• 5+ Years Financial Services Industry experience. - Required.

• 5+ Years Risk, Consumer Operations, Internal Controls, or related experience. - Required.

• Advanced knowledge of risk management practices, identification, resolution and implementation.

• Advanced knowledge of risk management best practices and how to implement them.

• Commercial awareness.

• Demonstrated problem-solving and analysis skills with attention to detail.

• Detail orientated with the ability to also understand overall strategy.

• Ability to multi-task and meet strict deadlines.

• Ability to adjust to new developments/changing circumstances.

• Ability to lead, influence and direct peers, subordinates and management.

• Ability to convey a sense or urgency and drive.

• Ability to build and foster internal relationships.

• Ability to analyze risk and design efficient control practices to mitigate risk.

• Strong critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems.

• Strong written and verbal communication skills.

• Strong analytical, problem solving and critical thinking skills.

• Strong project management skills.

Certifications:

• State Certified Commercial Real Estate Appraisal License

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: Harrisburg, PA, Pennsylvania

Other Locations: Pennsylvania-Harrisburg,Maryland-Annapolis,New Jersey-Trenton,New York-Albany,Massachusetts-Boston,Delaware-Dover,District of Columbia-Washington

Organization: Santander Holdings USA, Inc.