Descripción de la oferta
Credit Risk SR Analyst – Santander Corporate & Investment Banking
Santander Corporate & Investment Banking (Santander CIB) supports the world’s most complex corporate and institutional clients, offering customised services and wholesale products. The Credit Risk SR Analyst role based in Boadilla (Madrid) evaluates the creditworthiness of clients, counterparties and portfolios, establishes risk policies and works closely with global and local units to balance commercial objectives with risk management.
Responsibilities
Risk Assessment (ratings): evaluate the creditworthiness of clients, counterparties and portfolios in CE and Spain; analyze financial statements, credit reports and market conditions; review and approve group ratings globally to ensure homogeneity across all SCIB Risk Units; engage with Local Units to discuss and review ratings; act as Model User of the Santander Large Corporate Rating Model, coordinating with Model Owner, Methodology, IA and Regulator on guide definition.
Decision‑Making: approve or recommend credit limits and lending decisions within defined authority levels; present in Global Committees and Local Committees; perform sector analysis and coordinate global pre‑classification processes.
Policy Development: establish and enforce credit risk policies, frameworks and appetite guidelines consistent with regulatory requirements and Santander strategy; coordinate implementation with Local Units.
Collaboration: work closely with Global business units, finance and compliance teams to balance risk and commercial objectives and shape SCIB strategies.
Professional Experience
Minimum 2–4 years of experience in credit analysis, risk management or corporate finance, ideally in a banking or financial institution.
Proven experience preparing credit reports, performing due diligence and monitoring credit exposures.
Exposure to corporate lending, SME portfolios or structured finance is highly valued.
Education
Bachelor’s degree in Finance, Economics, Accounting, Business Administration or a related field.
Master’s degree or professional certification (e.g., CFA, FRM) is a plus.
Languages
English – Required.
Spanish – Preferred.
Other languages such as Portuguese, French or German are preferred.
Hard Skills
Strong understanding of financial statement analysis, credit risk assessment and cash flow modeling.
Proficiency in Microsoft Excel, including advanced functions and financial modelling.
Knowledge of credit scoring models, rating methodologies and risk‑adjusted return analysis.
Experience with data analysis tools such as Power BI, SQL or Python for financial analysis is desirable.
Familiarity with banking regulations and Basel III/IV frameworks.
Ability to prepare detailed credit memos and present findings clearly to senior management.
Soft Skills
Excellent analytical and critical thinking abilities.
Strong attention to detail and commitment to accuracy.
Effective written and verbal communication in English (Spanish is an asset).
Ability to work under pressure and meet tight deadlines.
Strong sense of ethics, responsibility and collaborative teamwork.
Proactive and curious mindset with focus on continuous improvement.
Ability to work in multicultural environments.
Benefits
Hybrid working model – flexible remote or onsite options.
Competitive salary with performance‑based bonuses.
Access to a global learning platform and exclusive courses.
Preferential banking terms, special interest rates, and life insurance.
Health and wellness programmes through BeHealthy.
Childcare support and family‑friendly programmes.
Legal, emotional and administrative advisory services via Santander Contigo.
Gym/WellHub membership, medical centres, meal subsidies, parking, shuttle service and exclusive discounts.
Equal Opportunity Statement
Santander is proud of being an organization that offers equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.
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