Credit Analyst to Santander Leasing Malmö
f you thrive in a dynamic and changing environment we have a brand new role to offer!
You will be responsible for developing and fine-tuning our credit risk strategy, framework and risk appetite, securing sound credit processes, specialized service, and facilitate best practice sharing.
Independent evaluation and assessment of change request and new product introductions influencing credit risk including end-to-end profitability and the risk/cost of servicing the product is part of the role.
You will effectively summarize and communicate underwriting trends, portfolio performance, new business profitability by segment and changes on credit policy to management.
Key Responsibilities
- You are responsible for the evaluation, analysis and presentation of the risk situation of credit exposures for our customers
- To this end, you compile credit decision applications for the responsible credit authority levels and committees, including the assessment and judgement of the financial situation of our customers (prospective and current)
- Using your delegated credit decision authority level, you are responsible for deciding on the granting of leasing/rental approvals, respecting legal and internal policies and rules
- It is your responsibility to analyze, monitor, and prepare internal credit line approvals as well as to monitor your assigned customer portfolio
- Execute and monitor risk process controls within the internal control model
- Ensure that risk levels and business processes are consistent with the bank’s risk appetite and risk tolerance
- Secure adequacy to credit risk frameworks, monitor the customer and portfolio performance and raising concerns and recommendations to the Risk Function
- In addition, you will participate in occasional customer contacts, via phone, electronic means or, in exceptional cases, in person
- The negotiation of conditions of approval with Sales is part of your daily business
Qualifications
- A strategic mindset with the ability to execute detailed operational plans
- Degree in Business Administration, preferably with a focus on Finance, Banking or similar
- Several years of experience in credit risk management, preferably in the credit analysis and decision for international commercial customers with larger exposures
- Profound understanding of the financial analysis of commercial customers, both Swedish and international (local Swedish GAAP and IFRS)
- Very strong analytical mindset
- Ability to learn new skills and systems quickly
- Professional abilities in persuasion and negotiation
- High personal motivation, self-driven and proactive
- Attention to details
- Microsoft Office advanced user (Advanced Excel)
- Strong communication and presentation skills
- Fluency in Swedish and English, both written and spoken
About us
Santander Leasing is a leading provider of vehicle leasing solutions, offering flexible and innovative financial products to businesses across Sweden. We have 2 offices, a local headquarters in Malmö and a sales office in Stockholm. With us you will definitely get some really committed, dedicated and professional colleagues who also like to have fun together at work.
Application
If you’re ready to be part of the growth of Santander Leasing’s business, we’d love to hear from you. Please submit your resume and cover letter outlining your qualifications and motivation for the position to morten.handsdal[at]santanderleasing.se, latest June 15.
We appreciate your application as soon as possible as we will be conducting interviews on an ongoing basis, which means that we may close the application process earlier than stated if we find the right candidate. Applications without the two attachments mentioned will be ignored.
Warm welcome with your application!
Publicerad 23 maj, 2025