Director, Commercial Real Estate Credit Risk

The Director, Credit Risk is responsible for risk analysis and independent oversight of credit quality of assigned portfolios related to Commercial Real Estate. The incumbent is responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and/or risk reduction for the department.

• Ensures adherence to the policies and procedures established by the company.

• Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies.

• Monitors and manages risk/exposure and compliance with the company's policies.

• Identifies, manages and reports on the company's risk areas. Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.

• Partners with Business Lines to recommend and vet new products initiatives, origination strategies, pre-approval and pre-qualification campaigns, underwriting techniques, peer group comparisons, and process optimization.

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

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

• Provides a comprehensive range of risk management expertise requiring the creation, implementation and validation of various risk segmentation strategies using complex data.

Qualifications:

• Education: Bachelor's Degree or equivalent work experience

• Work Experience: 12+years in Commercial Real Estate Credit Risk

• Advanced knowledge and understanding/competency in regulatory matters and compliance.

• Advanced risk, process, and control validation and/or assessment skills.

• Advanced credit and risk, process, and control validation and/or assessment skills.

• Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense

• Demonstrated track record interacting and influencing regulators, external and internal audit.

• Demonstrated expertise in Consumer and Banking businesses and applicable rules, regulations and processes.

• Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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.

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 at any time for any reason.

For New York City Based Applicants: The base annual salary range for this position is $ 151,200 to 230,000. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

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Primary Location: Santander Consumer, TX, SCUSA-Remote Office

Other Locations: New York-New York

Organization: Santander Holdings USA, Inc.