Credit Risk Review Director – Corporate & Investment Banking

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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Credit Risk Review Director maintains subject matter expertise in, and lead assessments of credit risk and credit risk management in the Company's Corporate and Investment Banking units, including leveraged finance, large corporates, and structured finance, including project finance and warehouse lending.

Position Summary

The incumbent ensures potential weaknesses at the counterparty and/or portfolio level have been reported and an appropriate remediation plan is agreed to with the relevant stakeholders, and that risks and credit issues are properly reflected in both the local and global risk frameworks as necessary. They act as a mentor and provide coaching and assistance to less experienced team members as part of reviews and other activities. The Director assists the Executive/Senior Director with the development of the Annual Plan and with changes in Policy and Procedure. They conduct continuous monitoring Review activities.

• Lead onsite and offsite credit risk reviews to deliver independent assessments of credit quality and effectiveness of risk management practices across global portfolios.

• Evaluate counterparty and transaction activities within Global Markets and Credit Risk functions to ensure compliance with internal policies, approvals, monitoring standards, and risk frameworks.

• Identify and assess existing and emerging credit risks, including weaknesses in counterparties, transactions, and portfolio-level exposures, and ensure timely escalation to senior leadership.

• Analyze risk rating accuracy, underwriting quality, credit approvals, monitoring practices, documentation, and credit administration processes to identify gaps and improvement opportunities.

• Execute continuous and periodic risk-based review programs across U.S. portfolios, including transaction-level analysis and portfolio trend assessments by sector and industry.

• Monitor assigned portfolios to ensure aggregate risk remains within appetite and reflects current market conditions, providing actionable insights and recommendations.

• Prepare and deliver executive-level reports, presentations, and summaries for senior management, Board, and Risk Committee, clearly communicating findings and remediation plans.

• Recommend and influence enhancements to credit policies, procedures, and systems, and lead or support review teams as Examiner in Charge when applicable.

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, Finance, Business, or related field – Required.

• Master's Degree in Accounting, Finance, Business, or related field – Preferred.

Professional Experience

• 15+ years of banking experience, preferably within Credit Risk Management, Underwriting, or Originations – Required.

• Experience in analyzing complex credit transaction structures including securitizations finance – Preferred.

Skills

• Strong knowledge of loan procedures, credit policies, and risk management frameworks.

• Advanced credit analysis capabilities with a strategic, risk-focused mindset.

• In-depth knowledge of loan and capital markets products, including derivatives, prime services, fund-linked products, repo, and securities lending.

• Proficiency in Microsoft Office tools including Word, Excel, Outlook, and PowerPoint.

• Experience evaluating credit data, reporting, and tracking systems.

• Strong analytical and problem-solving abilities.

• Excellent verbal and written communication skills with the ability to present to executive audiences.

• Excellent business writing skills.

• Ability to work independently with limited supervision while managing multiple priorities.

• Strong project management and organizational skills with attention to detail.

• Demonstrated leadership, accountability, and initiative in complex environments.

• Effective interpersonal and diplomatic skills with the ability to influence and resolve conflict.

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.

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.

Base Pay Range:

Minimum:

We Value Your Impact:

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.

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.