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Analista De Risco - Lending Office

Location: Lisboa

Description Geral Da Função:

The Lending Office (LO) is the team responsible for ensuring the quality, consistency, and compliance of Banco Santander's credit decisions, acting as one of the lines of defense. The mission is to simplify and expedite the credit admission process, promoting technical decisions aligned with the bank's risk appetite, while simultaneously ensuring independence and technical rigor in the analysis of proposals.

Principais Responsabilidades:

• Ensure compliance with internal and regulatory requirements, actively participating in credit decisions;
• Guarantee the quality, accuracy, and integrity of proposals submitted to committees, promoting alignment with the bank's risk profile;
• Act as a neutral technical element in the decision-making process, assuming full responsibility for the credit proposal, mitigating risks and defending the bank's interests;
• Contribute to the agility and predictability in the response to credit proposals, enhancing the coverage of clients with pre-classified processes.

Requisitos:

• Solid knowledge in financial analysis;
• Strong analytical skills, organization, and attention to detail;
• Ability to act autonomously, with critical sense and technical rigor;
• Competence in synthesis and ability to summarize;
• Ease of communication and teamwork.

Sobre Nós:

At Santander, each one of us is "Risk Pro". This means having the personal responsibility to identify, evaluate, manage, and report any risks to the bank arising from the performance of our functions. We will give you the knowledge and tools to be Risk Pro in all situations. This risk culture is fundamental to the Santander Way, our way of working.

The Bank has, under the terms of Law No. 93/2021 of December 20, an open channel of denunciations – Open Channel, accessible through the link https://secure.ethicspoint.eu/domain/media/pteu/gui/105862/index.html