Credit AnalystCountry: Netherlands

SANTANDER CONSUMER FINANCE is looking for a Credit Analyst, based in our UTRECHT office.

WHY YOU SHOULD CONSIDER THIS OPPORTUNITY

At Santander () we are key players in the transformation of the financial sector. Do you want to join us?

Santander Consumer Finance focuses on business development related to consumer finance products, sales channels and commercial agreements with dealers, vehicle manufacturers or retail distribution establishments, as well as commercial functions associated with direct sales (branches, call centers or digital channels) and indirect sales (through third parties) of consumer finance products.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation.

WHAT YOU WILL BE DOING

As a Credit Analyst you will be mainly responsible of analyzing financial account to assess the creditworthiness of (wholesale) customers and predict whether they can meet their financial obligations. You will play a key role in managing the credit portfolio and optimizing the credit granting processes.

We need someone like you to help us in different fronts:

Assessing the creditworthiness of existing and potential (wholesale) customers by analyzing annual accounts, credit history, and preparing forecasts.

Prepare annual reviews and proposals for new credit limits for Credit Committee and HQ Committees and present those in the different Committees.

Propose guarantees to be obtained from customers to support the proposed credit limits.

Monitor payment behavior of in particular wholesale customers.

Prepare and manage contractual documentation for wholesale customers.

Align with different internal stakeholders on profitability of customers, risk appetite and new business initiatives.

EXPERIENCE

Minimum of years’ experience in a similar role.

EDUCATION

MBO/HBO degree in finance, accounting, or a related field.

Additional NIBE/SVV Commercial lending would be ideal, but not a must.

SKILLS & KNOWLEDGE

Comprehensive understanding of financial statements, ratios, and concepts.

Analytical and organizational skills.

Excellent communication skills in both Dutch and English.