Santander Bank, NA Regional Credit Director in Florham Park, New Jersey

Regional Credit Director - 1803857



Santander’s Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending, energy, education, health care and government.

Our clients rely on the strength of Santander’s balance sheet and the degree to which our relationship managers understand their businesses in order to develop the most relevant and compelling solutions. In addition, Santander’s significant international presence in regions around the world uniquely positions us to help companies grow their business, both near and far.

The Regional Credit Director is responsible for commercial credit risk management activities in a specific market/geography including quality, integrity and soundness of all financial analysis, underwriting and credit approval processes for assigned portfolios. Provides senior leadership, overall supervision, direction and guidance to assigned market/geography. In line with Commercial Credit Risk model, leads oversight of Credit Policy and regulatory compliance and controls for assigned market. Manages partnerships with Corporate Banking and other business line partners. Works with the Chief Credit Officer in developing and implementing performance objectives, policies, programs and strategic risk management business plans.

Specific Duties & Responsibilities

  • Ensures adherence to the Commercial Credit Risk Model for Commercial and Banking within designated market/geography

  • Enforces Credit Policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions within a Credit Team

  • Manages productivity, procedures, standards and compliance with Credit Policy and Best Practices

  • Manages credit approval process within designated market

  • Works strategically with the sales team to achieve business objectives

  • Manages regional portfolios to maintain asset quality at budgeted NPA % and deliquency % while handling deteriorating situations

  • May manage a Credit Team consisting of Regional Credit Managers overseeing Credit and Risk management within designated market/geography

  • Provides guidance, direction and mentoring to Regional Credit Managers.

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.



  • Bachelor's Degree

  • 12+ years as a Senior Credit Officer, Senior Loan Workout Officer or other related position

  • 5+ years experience managing a team

  • Demonstrated track record of managing a team, strong individual contributions, interacting with Executive level management and working within a team environment

  • Excellent written/verbal communication and interpersonal skills

  • Strong negotiation and presentation skills

  • Thorough knowledge of credit policies, procedures, regulations and applicable law.

Job : Portfolio Level Control
Primary Location : New Jersey-Florham Park
Schedule : Full-time
Job Posting : Jun 6, 2018, 6:59:59 PM