Associate, Corporate Credit Risk Management, ChinaCountry: China
Manage credit risk for Chinese large corporates and MNCs. This includes corporate credit analysis, business plan and transaction assessment and recommendation in cooperation with bankers and product partners, as appropriate.The role also involves presenting, discussing and defending customers and credit facilities/transactions with head office in Europe, and discussing subsidiaries of Chinese corporates /transactions with overseas branches.
Key Responsibilities
Rating Analysis Analyse each of the names, prepare its corresponding rating, and manage the rating validation process.
Risk Approval In cooperation with bankers and product partners, manage the approval process for group limit, client level credit facilities/transactions and etc. This includes assessment of the deliverability and suitability of the business plan, credit facility structure, conditions, risk mitigation and making recommendations, as appropriate.
Portfolio Monitoring Post-approval monitoring of transactions and credit lines, control of global exposure and utilization, and watch information arising about the portfolio and update consequently rating and limit classifications; relevant regulatory monitoring, data reporting etc.
Risk Culture Contribute to the Santander culture that risk is everyone’s responsibility.
Requirements
1.Minimum University degree is required.
2.Around 5 years of corporate credit or risk management experience including corporate credit risk analysis, business case evaluation, approval process experience.
3.Good understanding of Chinese market and business environment.
4.Corporate and trade finance products background is valued.
5.Solid understanding of quantitative risk measurement tools.
6.Strong financial analysis skills
7.Strong presentation skills
8.Languages: English & Mandarin required. Other language like Spanish is a plus.
9.Various: Sound Excel, Word and PowerPoint skills. Able to work under pressure. Ability to work in a team environment.
Banco Santander (SAN SM, STD US, BNC LN) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments (PagoNxt and Cards). This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising €220 billion in green financing between 2019 and 2030. In the first quarter of 2024, Banco Santander had €1.3 trillion in total funds, 166 million customers, 8,400 branches and 211,000 employees.
