CREDIT RISK SR ANALYSTCountry: SpainIT STARTS HERE Santander () is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey.
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Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible.
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This is more than a strategic shift.
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It's a chance for driven professionals to grow, learn, and make a real difference .
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Our mission is to contribute to help more people and businesses prosper .
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We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
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Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale products to best meet their needs.
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THE DIFFERENCE YOU MAKE SCIB s looking for a CREDIT RISK SR ANALYST based out of Boadilla (Madrid) We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas.
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To succeed in this role, you will be responsible for: Risk Assessment (ratings): Evaluate the creditworthiness of clients, counterparties, and portfolios under its scope (CE and Spain) by analyzing financial statements, credit reports, and market conditions.
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Review and approval of group ratings globally (Latam, Asia, US and UK) to ensure homogeneity and consistency across all SCIB Risk Units.
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Engage with Local Units to discuss and review ratings.Responsible as Model Users of the definition and control of the Santander Large Corporate Rating Model.
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Engage with Model Owner, Methodolgy, IA and Regulator in the definition of Guides.
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Decision-Making: Approve or recommend credit limits and lending decisions within defined authority levels in Global Committees and Local Committees under scope (Spain).
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Engage with Local Units and presentation in General committees.Sector analysis and coordination of global preclassification processes Policy Development: Establish and enforce credit risk policies, frameworks, and risk appetite guidelines in line with regulatory requirements and Santander strategy.
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Coordinate with Local Units Collaboration: Work closely with Global business units, finance, and compliance teams to balance risk and commercial objectives and define SCIB strategies The following requirements represent the knowledge, skills, and abilities essential for success in this role.
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Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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WHAT YOU'LL BRING Our people are our greatest strength.
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Every individual contributes unique perspectives that make us stronger as a team and as an organization.
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We're enabling teams to go beyond by valuing who they are and empowering what they bring.
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The following requirements represent the knowledge, skills, and abilities essential for success in this role.
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Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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Professional Experience Minimum – years of experience in credit analysis, risk management, or corporate finance, ideally in a banking or financial institution.
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(Required).
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Proven experience preparing credit reports, performing due diligence, and monitoring credit exposures.
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(Required)
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Exposure to corporate lending, SME portfolios, or structured finance is highly valued.
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(Preferred)
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Education Bachelor's degree in Finance, Economics, Accounting, Business Administration, or a related field.
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(Required)
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A Master's degree or professional certification (e.G., CFA, FRM ) is a plus.
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(Preferred)
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Languages English (Required) Spanish (Preferred) Other languages like Portuguese, French or German (Preferred) Hard Skills Strong understanding of financial statements analysis, credit risk assessment, and cash flow modeling.
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(Required)
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Proficiency in Microsoft Excel (including advanced functions and financial modeling).
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(Required)
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Knowledge of credit scoring models, rating methodologies, and risk-adjusted return analysis.
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(Required)
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Experience with data analysis tools (e.G., Power BI, SQL, or Python for financial analysis) is desirable.
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(Preferred)
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Familiarity with banking regulations and Basel III/IV frameworks.
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(Preferred)
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Ability to prepare detailed credit memos and present findings clearly to senior management (Required) Soft Skills Excellent analytical and critical thinking abilities.
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Strong attention to detail and commitment to accuracy.
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Effective communication skills, both written and verb