Senior Associate Risk MIS

Santander Consumer USA Dallas , TX 75201

Posted 2 months ago

Overview

Job Family: Risk

Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Job Function: Risk Management

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.

Summary of Responsibilities:

The Sr. Associate, Credit Risk is responsible for partnering with the accountable business owner within 1st line of defense Risk Management and Controls. S/he is responsible for the remediation of the internal control environment within the business line and/or function area; as well as building and maintaining a strong internal controls capabilities for the first line of defense risk management and controls within the business line and/or functional area.

Essential Functions:

  • Responsible for assisting Credit Risk team in the design, development, implementation and production of risk reporting needs in ongoing and ad-hoc environment

  • Additionally responsible managing the automation implementation process for all new reports, as appropriate, and converting existing Business as usual reports to an automated delivery process.

  • Partners with the accountable business owner for effective 1st line of defense Risk Management and Controls.

  • Provides oversights on risk-management content/processes followed by the 2nd line of defense.

  • Proactively identify and escalate emerging risks with recommendations.

  • Influences others at an operational level regarding new concepts, best practices and approaches related to credit risk mitigation, credit risk identification and resolution, and/or credit risk management.

  • Systematizes ad hoc reporting for line of businesses and team members to facilitate miscellaneous senior and executive management reporting and status updates as needed.

Other Functions:

  • Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members.

  • Other duties as assigned.

Requirements:

  • Education

  • Bachelor's Degree: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field.

  • or equivalent work experience

  • Master's Degree: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field.

  • Experience

  • 9-12 years Risk Management, Credit RIsk or Internal Audit experience.

  • Financial Industry experience.

  • Consulting

  • Skills & Abilities

  • Advanced knowledge of the operational, accounting, credit, regulatory, market and technological risks within Financial Industry.

  • Demonstrated knowledge of credit policies and procedures, regulations and applicable law(s).

  • Demonstrated credit analysis skills for understanding/tracking counter party performance and market risk & modeling skills for evaluating trade positions and the related counter party risk exposures.

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

  • Superior project management skills.

  • Excellent written and verbal communication.

  • Ability to interact with all levels of management, work independently and in a team environment.

  • Ability to multi-task, prioritize activities, manage conflicts of interest, delegate, and meet deadlines while working in a fast paced-environment.

  • Ability to analyze risk and design efficient control practices and processes to remediate/minimize risk.

  • Strong presentation skills.

Competencies:

  • Collaboration Relationship Management:

  • Advanced Leading and Guiding

  • Improves relationships between key individuals to achieve seamless cross-team work flow and positively impact results

  • Uses informal networks to gain support for ideas and projects


  • Collaboration Teamwork:

  • Advanced Leading and Guiding

  • Brings out the best in each team member by consistently motivating and acknowledging peer contributions

  • Understands and leverages team dynamics


  • Execution Accountability:

  • Advanced Leading and Guiding

  • Fully accountable for timeliness, completeness, quality of projects, processes, products and services

  • Remains calm and focused on goals while facing pressures, obstacles or short-term setbacks


  • Influence Information Sharing:

  • Advanced Leading and Guiding

  • Ensures people receive the information they require, and brings the team together to share information


  • Influence Two-way communication:

  • Advanced Leading and Guiding

  • Effectively 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 view


  • Risk Business Acumen Industry Acumen:

  • Advanced Leading and Guiding

  • Keeps up -to-date with external market events, pressures and regulations which may impact the organization and assesses whether similar issues exist in the organization

  • Can identify functional and organizational implications associated with major trends

  • Designs solutions to address industry activities that impact the organization


  • Risk Management Knowledge of Risk Management Policies, Regulations, Processes and Procedures:

  • Advanced Leading and Guiding

  • Monitors adherence to policies, regulations, processes and procedures within function and actively undertakes corrective action where necessary

  • Understands end to end processes across the organization and how processes are integrated

  • Has a practical knowledge of regulations impacting area supported


  • Risk Management Risk and Compliance Adherence:

  • Advanced Leading and Guiding

  • Ensures that all directs and colleagues have appropriate knowledge of risk and the regulatory environment

  • Investigates and identifies the root cause and corrects items deemed non-compliant, regardless of pressures from business or management


Working Conditions:

  • Frequently: Minimal physical effort such as sitting, standing, and walking.

  • Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.

  • Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer's Rights:

  • This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will 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 employment at any time, for any reason.

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Senior Associate Risk MIS

Santander Consumer USA