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Santander Holdings USA Inc: Sr. Supervisor, Credit Risk Review

Santander Holdings USA Inc

This is a Contract position in Highland Park, TX posted October 22, 2020.


Supervisor, Credit Risk Review-2003510 DescriptionThe primary function of the Sr.

Supervisor, Credit Risk Review is to provide subject matter expertise to the relevant credit risk area or function.

In addition, s/he leads and executes onsite and offsite reviews and testing that requires subject matter expertise of the business units and credit functions under review.

The incumbent performs testing in a timely manner, ensuring all review quality and internal bank relation standards are met, and courteous and professional behavior is observed in all situations.

S(he) acts as a mentor, and provides coaching and assistance to less experienced team members as part of internal audit reviews and activities.

Assesses asset quality, status and appropriateness of existing risk controls/compliance with established underwriting policies/risk tolerance.Assesses/Ensures risk rating integrity and timeliness of rating changes.Assists in the oversight of portfolio monitoring functions such as quality control, default/foreclosure management, credit risk/solvency reporting and other portfolio monitoring reporting.Communicates findings to Line and Risk management.Conducts onsite and offsite reviews, to provide an independent assessment of the quality, quantity, direction and overall credit risk in the organization.Could lead a small team of reviewers and/or act as Examiner in Charge for reviews.Ensures appropriate collection, default management, and foreclosure strategies are in place and followed.Ensures appropriate specific reserves are in place and charge-off are taken timely.Ensures appropriate collections, workout and pre-workout strategies are identified, tracked and validated.Ensures credit culture is consistent throughout the organization and represents approved Risk Tolerance Statements.

Ensures underwriting credit analysis is sound and justifies/mitigates the identified credit risk.Follows up and tracks recommendations issued during prior reviews.Monitor historical performance through review of various credit metrics and credit risk reporting, inclusive of new originations, rating migrations, exception reporting, monitoring of SCPs, etc.Prepares planning/intro memo.Prepares written summary report of findings, observations and recommendations.Reviews individual loan files for compliance with underwriting and default management policy and procedure.Reviews required documentation for loan review testing, inclusive of conducting credit file reviews and completing necessary line sheets.Reviews various management credit risk reporting to identify emerging risks, recommends deeper dives as required.Works closely with Internal Audit to provide assistance in areas where credit expertise is required and ensure no overlaps and no gaps in coverage.Works on the necessary sampling, defines scope and type of review.

QualificationsRequirements: Bachelor’s Degree; in Accounting, Finance,Business, or equivalent fieldMaster’s Degree; in equivalent field preferred 12-15 years’ Banking experience, preferably concentrated in Credit Risk Management or Credit Risk functions such as Underwriting or OriginationsKnowledge of auto lendingPrevious credit risk review experience is welcomeAbility to work independently with limited supervisionAnalytical and problem solving skillsDetail oriented with project management skillsSolid diplomatic skills with the ability to resolve conflictStrong verbal and written communication skillsStrong working knowledge of loan procedures and policiesTechnology and computer skills, with the ability to effectively use Microsoft Office (Word, Excel, Outlook, Powerpoint)Time management skills and the ability to complete multiple projects simultaneously and in a timely manner Minimal physical effort such as sitting, standing, and walkingBrings out the best in each team member by consistently motivating and acknowledging peer contributionsUnderstands and leverages team dynamicsEffectively conveys difficult or complex information in an easy to understand manner, by providing the big picture and illustrating important linkages Asks open-ended questions that encourage others to give their points of viewFully accountable for timeliness, completeness, quality of projects, processes, products and servicesRemains calm and focused on goals while facing pressures, obstacles or short-term setbacksIdentifies and focuses on resolving the key issue at the heart of the conflictDisplays strong diplomacy skills; anticipates and prepares for how others will reactKeeps up to-date with external market events, pressures and regulations which may impact the organizationCan identify functional and organizational implications associated with major trendsDesigns solutions to address industry activities that impact the organizationMonitors adherence to policies, regulations, processes and procedures within function and actively undertakes corrective action where necessaryUnderstands end to end processes across the organization and how processes are integratedHas a practical knowledge of regulations impacting area supportedStays up-to-date with needs, preferences, trends and practices which impact customersActs as a role model by being a source of advice and knowledge regarding customer issuesLI-JH1 Job:Credit Risk ReviewPrimary Location:Texas-Dallas-1601 Elm Street 02302 DallasOrganization:Internal Audit (8880)Schedule:Full-time Job Posting:Oct 19, 2020, 3:11:54 PM