480 Financial Risk Manager jobs in the United States
Associate, Market Risk
Posted 1 day ago
Job Viewed
Job Description
Your Journey Starts Here:
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make:
The Associate, Market Risk monitors the liquidity risk metrics operates within Liquidity Policy guidelines and limits. This position will develop and implement all Regulatory and Corporate Liquidity Policy standards for market risk activities, lead discussions with management, and compare the Company risk profile against industry information.
• Observes, analyzes and implements US regulation and Liquidity Policy Guidelines.
• Documents effectively Liquidity assumptions, developing procedures related with daily and monthly liquidity process.
• Identifies and contributes to resolution of emerging risk issues related to Liquidity Risk processes and exposure, anticipating and acting proactively on minimizing risk.
• Ensures the commitment of the liquidity risk policy guidelines and the contingency plans, monitoring early warning indicators and warning about liquidity events,
• Assists with the validation, reconciliation and analysis of data, ensuring its accuracy, validating and implementing liquidity risk measurement methods.
• Compares the Company risk profile against industry information.
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.
Bachelor's Degree or equivalent work experience: Business, Finance, Management, or equivalent field. - Required.
5+ Years Risk Management/Controls - Required.
• Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting.
• Strong market risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.
• Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout.
• 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.
• Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed.
• Ability to adjust to new developments/changing circumstances.
• Ability to convey a sense of urgency and drive issues/projects to closure.
• Ability to effectively interact with the market, executive management and vendors.
• Ability to adapt and adjust to multiple demands and competing priorities.
• Excellent written and oral communication skills.
• Strong analytical, organizational and project management skills.
Certifications:
No Certifications listed for this job.
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:
$90,000.00 USDMaximum:
$155,000.00 USDLink to Santander Benefits:
Santander Benefits - 2025 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 to discuss your needs.
Primary Location: New York, NY, Madison Ave Corp
Other Locations: New York-New York
Organization: Banco Santander S.A.
Associate, Market Risk
Posted 1 day ago
Job Viewed
Job Description
Associate, Market Risk Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Market Risk monitors the liquidity risk metrics operates within Liquidity Policy guidelines and limits. This position will develop and implement all Regulatory and Corporate Liquidity Policy standards for market risk activities, lead discussions with management, and compare the Company risk profile against industry information. • Observes, analyzes and implements US regulation and Liquidity Policy Guidelines. • Documents effectively Liquidity assumptions, developing procedures related with daily and monthly liquidity process. • Identifies and contributes to resolution of emerging risk issues related to Liquidity Risk processes and exposure, anticipating and acting proactively on minimizing risk. • Ensures the commitment of the liquidity risk policy guidelines and the contingency plans, monitoring early warning indicators and warning about liquidity events, • Assists with the validation, reconciliation and analysis of data, ensuring its accuracy, validating and implementing liquidity risk measurement methods. • Compares the Company risk profile against industry information. 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. Bachelor's Degree or equivalent work experience: Business, Finance, Management, or equivalent field. - Required. 5 Years Risk Management/Controls - Required. • Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting. • Strong market risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment. • Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout. • 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. • Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed. • Ability to adjust to new developments/changing circumstances. • Ability to convey a sense of urgency and drive issues/projects to closure. • Ability to effectively interact with the market, executive management and vendors. • Ability to adapt and adjust to multiple demands and competing priorities. • Excellent written and oral communication skills. • Strong analytical, organizational and project management skills. Certifications: No Certifications listed for this job. 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: $90,000.00 USD Maximum: $155,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.
Manager, Financial Risk Management (San Francisco)
Posted 2 days ago
Job Viewed
Job Description
About the Role
The Financial Risk Management SOX Assurance team plays a critical role in safeguarding Uber's financial integrity and ensuring compliance with the Sarbanes-Oxley Act. As a member of this team, you will be at the forefront of protecting the company's financial data and maintaining the trust of our stakeholders. You will work to assess, evaluate, and improve internal controls related to financial reporting, in alignment with Uber's commitment to doing the right thing and upholding the highest standards. This team plays a critical role in upholding FRMs core valuesplacing the right people in the right roles to ask the right questions, acting with integrity, and boldly approaching risk management to drive meaningful outcomes. This team is essential in upholding Uber's core values of putting people first, acting with integrity, and being bold in our approach to risk management.
Specifically, the FRM Assurance team is responsible for monitoring the effectiveness of the design, implementation and operating effectiveness of internal controls to mitigate financial reporting risks in accordance with the 2013 COS Framework to satisfy SOX requirements.
What Youll Do
- Strategic Leadership: Execute the overall SOX compliance strategy, aligning with Uber's financial risk management objectives and business goals.
- Program Management: Lead the planning, execution, and monitoring of the SOX program for the relevant areas, ensuring timely completion of all activities and deliverables.
- Risk Assessment: Oversee the identification and assessment of financial reporting risks for the relevant areas, and ensure appropriate controls are in place to mitigate those risks.
- Control Evaluation: Evaluation of the design and operating effectiveness of internal controls over financial reporting (ICFR) for business process controls, including the impact of related IT controls through collaboration with IT control specialists.
- Stakeholder Management: Build and maintain strong relationships with key stakeholders, including internal and external auditors, and control owners.
- Deficiency Remediation: Manage the identification, tracking, and remediation of control deficiencies, ensuring timely resolution and implementation of corrective actions.
- Continuous Improvement: Drive continuous improvement initiatives to enhance the efficiency and effectiveness of the SOX program, including the use of technology and automation. Identify opportunities to leverage data analytics, FRM process automation, and other tools to streamline SOX processes.
- Team Leadership: Lead, mentor, and develop your direct reports, fostering a culture of collaboration, accountability, and professional growth.
- Regulatory Compliance: Stay abreast of changes in SOX and other related regulations and best practices, and ensure the company's compliance program is updated accordingly. This includes monitoring changes to PCAOB auditing standards and SEC guidance.
- Reporting: Prepare and present regular reports to key stakeholders and FRM leadership on the status of SOX compliance, key risks, and control effectiveness for related areas.
- Audit Tools and Techniques: Oversee the utilization of audit software and tools to enhance the efficiency and effectiveness of SOX testing and monitoring.
Basic Qualifications
- Bachelor's degree in Business, Finance, Information Technology, or a related field
- 6+ years of experience in relevant areas including audit (internal or external), controls, compliance, consulting, or risk management
- CPA, CIA, CISA, or other relevant professional certification is highly preferred
Preferred Qualifications
To be successful in this role, the ideal candidate should possess the following additional skills:
- Communication and Interpersonal Skills: Ability to communicate effectively with diverse stakeholders, including senior management, auditors, and team members. This includes strong written and verbal communication, active listening, and the ability to present complex information clearly and concisely.
- Analytical and Problem-Solving Skills: Strong analytical skills to identify and assess complex issues, evaluate risks, and develop effective solutions. This includes critical thinking, attention to detail, and the ability to make sound judgments under pressure.
- Adaptability and Change Management: Ability to adapt to changing regulatory requirements, business environments, and organizational priorities. This includes flexibility, resilience, and the ability to drive change effectively.
- Business Acumen: Understanding of Uber's business operations, financial performance, and strategic objectives, and the ability to align SOX activities with these goals.
- Ethical Judgment and Integrity: Strong ethical judgment and integrity, with a commitment to upholding the highest standards of professional conduct and compliance.
For San Francisco, CA-based roles: The base salary range for this role is USD$149,000 per year - USD$166,000 per year.
You will be eligible to participate in Uber's bonus program, and may be offered an equity award & other types of comp. You will also be eligible for various benefits. More details can be found at the following link .
Uber is proud to be an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know by completing this form .
Offices continue to be central to collaboration and Ubers cultural identity. Unless formally approved to work fully remotely, Uber expects employees to spend at least half of their work time in their assigned office. For certain roles, such as those based at green-light hubs, employees are expected to be in-office for 100% of their time. Please speak with your recruiter to better understand in-office expectations for this role.
#J-18808-LjbffrManager, Financial Risk Management (San Francisco)
Posted 2 days ago
Job Viewed
Job Description
Join to apply for the Manager, Financial Risk Management role at Uber .
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About The RoleThe Financial Risk Management SOX Assurance team plays a critical role in safeguarding Uber's financial integrity and ensuring compliance with the Sarbanes-Oxley Act. As a member of this team, you will be at the forefront of protecting the company's financial data and maintaining the trust of our stakeholders. You will work to assess, evaluate, and improve internal controls related to financial reporting, in alignment with Uber's commitment to doing the right thing and upholding the highest standards. This team upholds FRM's core valuesplacing the right people in the right roles to ask the right questions, acting with integrity, and boldly approaching risk management to drive meaningful outcomes.
Specifically, the FRM Assurance team monitors the effectiveness of internal controls to mitigate financial reporting risks, ensuring compliance with the 2013 COS Framework to satisfy SOX requirements.
What You'll Do- Execute SOX compliance strategy, aligning with Uber's financial risk management objectives.
- Lead planning, execution, and monitoring of the SOX program for relevant areas.
- Oversee identification and assessment of financial reporting risks and ensure controls are in place.
- Evaluate the design and effectiveness of internal controls over financial reporting (ICFR).
- Build relationships with internal and external auditors, and control owners.
- Manage control deficiency tracking and remediation.
- Drive continuous improvement initiatives, leveraging data analytics and automation.
- Lead, mentor, and develop team members.
- Stay updated on SOX and related regulations, ensuring compliance.
- Prepare and present compliance reports to stakeholders and leadership.
- Oversee audit tools and techniques to enhance SOX testing and monitoring.
- Bachelor's degree in Business, Finance, IT, or related field.
- 6+ years of experience in audit, controls, compliance, consulting, or risk management.
- CPA, CIA, CISA, or relevant certification.
- Effective communication and interpersonal skills.
- Strong analytical and problem-solving skills.
- Adaptability and change management abilities.
- Understanding of Uber's operations and strategic objectives.
- High ethical standards and integrity.
Salary range for San Francisco, CA: USD$149,000 - USD$166,000 annually, with bonus, equity, and benefits. More info at Uber Benefits .
Additional Details- Seniority level: Mid-Senior level
- Employment type: Full-time
- Job function: Finance and Sales
- Industries: Internet Marketplace Platforms
Risk Management- Market Risk -Securitized Products Group- Associate
Posted 10 days ago
Job Viewed
Job Description
Director, ALM, Market Risk, Model Risk Mgmt (Remote)
Posted 2 days ago
Job Viewed
Job Description
Director, Trading Market Risk Stress Testing and Scenario Design
Posted 2 days ago
Job Viewed
Job Description
New York, New York, United States of America
Hours:
40
Line of Business:
Risk Management
Pay Detail:
$175,000 - $215,000 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Job Description:
Job Posting Title
Director, Trading Market Risk Stress Testing and Scenario Design
Job Description Summary
Lead, develop, and oversee a broad, highly specialized, and diverse team of Market Risk professionals who provide leadership in ensuring all significant market risks are appropriately understood, analyzed and measured against TD's risk appetite.
Provides effective challenge, oversight, and outcomes, while operating within the
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Associate, Credit Risk
Posted 1 day ago
Job Viewed
Job Description
Your Journey Starts Here:
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make:
The Associate, Credit Risk is responsible for risk concentration monitoring, analysis, and reporting. The incumbent will analyze and summarize current and prospective trend financial characteristics, regulate risk exposure and controls by identifying areas of concern, opportunities, and reports on potential and/or known issues while recommending process improvements.
The incumbent is responsible for reviewing, analyzing, and/or evaluating the Company's credit risk management program that renders risk-based processing and reporting to reduce operating losses and maintain maximum protection of the organization's assets, products, and services. The Sr. Analyst will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the department.
Evaluates counter party credit equivalent exposure in non-standard trade positions using modeling techniques.
Identifies potential credit risks and assesses impact, probability of occurrence and timeframe.
Analyzes counter party portfolio and cross-border risk data, events and trends.
Investigates various credit risk inquiries, proposals, plans, and makes recommendations as directed by management or at own initiative.
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.
Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required.
Master's Degree Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred.
5-9 years experience required; Risk Management, Credit Risk, or Internal Audit
• Detailed knowledge of a commercial banks credit and counterparty customer populations, understanding their characteristics according to portfolio (aggregate) credit quality measures and individual customer financial characteristics.
• Demonstrated credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures.
• Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers.
• Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers.
• Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills.
• Strong verbal and written communication skills.
• Ability to build and foster internal relationships.
• Strong organizational and time management skills.
• Ability to analyze risk and provide recommendations and/or resolutions to minimize risk.
• Ability to summarize, document, and communicate information in a clear and concise manner.
• Ability to work independently as well as collaboratively within a team environment.
• Ability to stay abreast of industry best practices, procedures, and techniques.
• Ability to change direction as project demand dictates.
• Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner.
Certifications:
No Certifications listed for this job.
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:
$76,875.00 USDMaximum:
$130,000.00 USDLink to Santander Benefits:
Santander Benefits - 2025 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 to discuss your needs.
Primary Location: New York, NY, Madison Ave Corp
Other Locations: New York-New York
Organization: Banco Santander S.A.
Credit Risk Management Director (Boston)
Posted 2 days ago
Job Viewed
Job Description
Credit Risk Management Director
Country: United States of AmericaYour Journey Starts Here:
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!
The Director, Credit Risk Management - Senior Vice President is responsible for risk analysis and independent oversight of credit quality of assigned portfolios. 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.
The Ideal Candidate Will Have:
- Director level credit risk professional with diversified banking experience, advanced credit analysis and risk management skills, and in-depth knowledge of underwriting and portfolio management practices, policies, and procedures.
- Experience in corporate, commercial and specialty lending, including middle market, mid-corporate and specialty portfolios, including ABL, Equipment Finance and Dealer Commercial Services, across diverse industries.
- Strong negotiating skills, multitasking and organizational aptitudes, and proven ability to influence business partners.
The Difference You Make:
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.
Demonstrates subject matter expertise and serves as an authority and credible challenge to management regarding credit performance, potential or emerging risks, and business conformity with risk appetite, credit culture, and policies.
Delivers industry best practices, tools, guidance, and training to increase analytical capabilities and throughput.
Develops, implements and manages the Credit Risk projects assigned.
Develops and executes strategies and credit policies for lending and/or trading portfolios to mitigate credit risks without impacting portfolio growth or asset quality objectives and to correct risk budget deviations.
Reviews credit decisions analyzing sampling of loans and/or traded products to give feedback to the Credit Cycle and be in compliance with Regulations.
Establishes and oversees tactical plans to achieve desired asset quality for lending and/or trading portfolios including the design of annual credit management programs to monitor their compliance and deviations.
Approves credit proposal and monitoring.
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.
Bachelors degree or equivalent work experience: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Required.
Masters degree - Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred.
12+ Years Risk Management, Credit Risk, or Internal Audit - Preferred.
12+ Years Financial Services industry. - Required.
5+ Years Underwriting/Portfolio Management experience. - Preferred.
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.
Ability to direct, train and guide peers, subordinates and management.
Ability to strategically generate well supported conclusions based on trend analysis, credit risk due diligence performed, understanding of the Banks risk appetite and assessment of managements capabilities.
Ability to effectively interact and communicate with senior management across the enterprise.
Ability to convey a sense of urgency and drive issues/projects to closure.
Excellent written and oral communication skills.
Excellent analytical, organizational and project management skills.
Superior project management skills.
Certifications: No Certifications listed for this job.
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 RangeMinimum:
$135,000.00 USDMaximum:
$240,000.00 USDLink to Santander Benefits:
Santander Benefits - 2025 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, standingand 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 to discuss your needs.
#J-18808-LjbffrRisk Management - Credit Risk Senior Associate
Posted 13 days ago
Job Viewed
Job Description
As a Credit Risk Senior Officer within the Portfolio Management Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on post-closing multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $5MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Job Responsibilities
- Oversee all aspects of credit analysis on post-closing commercial and multifamily real estate loans.
- Evaluate and manage risks in each transaction.
- Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
- Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
- Apply data analysis techniques to interpret results and provide insights and recommendations to management.
- Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
- Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
Required qualifications, capabilities, and skills:
- Minimum 3+ years of experience in commercial real estate lending or 5+ years of other banking/finance experience.
- Thorough understanding of commercial / multifamily real estate property valuations, cash flow analysis, and loan documentation review.
- Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
- Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
- Excellent verbal/written communication and problem-solving skills.
- Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.
- Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
Preferred qualifications, capabilities, and skills:
- Bachelor's degree in accounting, finance, economics, or real estate is preferred.
- Advanced degree in a related field.
- Familiarity with regional markets and municipal regulations.
FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
Base Pay/Salary
San Francisco,CA 99,750.00 - 161,000.00 / year; Irvine,CA 90,250.00 - 147,000.00 / year