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Wholesale Credit Risk Analyst

  • Application Deadline: Jan. 30, 2022
  • Solna
  • Application Deadline: Jan. 30, 2022
  • Solna

Do you want to be part of a highly competent and motivated team, working with the largest corporate automotive dealers in the Nordic region?

Wholesale Credit Risk function is responsible for credit analysis, validation and facilitating the credit approval process for automotive dealers and large corporate clients in Santander Consumer Bank.

The overall objective is to support the value chain in helping business prosper by delivering excellent services for the customers and ensuring profitable growth within the bank’s risk appetite.

Furthermore, with the on-going efforts of becoming One Bank across the Nordic region, a key objective is to drive and ensure automation, standardization and simplification of processes and reports. By contributing to the development of processes, tools and systems, you will actively be involved in establishing an efficient Wholesale Credit Risk team able to work cross-border between the four Nordic countries.


  • Perform detailed credit and non-credit risk analysis of individual companies by applying quantitative and qualitative techniques
  • Support and/or participate on Credit Committee and validation processes
  • Participate at joint meetings with the Commercial department and other functions as Operations and Collections as required
  • Secure adequacy to credit risk frameworks, raising concerns and recommendations to the appropriate level of management
  • Verify that risk levels and business processes are consistent with the bank’s risk appetite, risk tolerance and risk policies, and within regulatory requirements for the area under scope
  • Support and successfully deliver or participate on One Bank and cross-functional projects representing Wholesale Credit Risk team
  • Execute and monitor risk process controls within the internal control model

Skills & Requirements

Personal characteristics

  • Trustworthy, self-confident, committed, and reliable
  • Highly motivated and strong driver; willing to go the extra mile and make a difference
  • Willingness to take new challenges
  • Highly organized, efficient, and proactive attitude
  • Enjoy working independently in a changing business environment
  • Willing to learn and interested in self-development and development of others
  • Collaborative team player

Competencies and skills

  • Financial background, especially in corporate finance and financial analysis
  • Excellent written and oral communication and presentation skills
  • High level and proven proficiency of Microsoft package and advanced user of Excel/VBA, PowerPoint and Word
  • Digital capabilities and computing skills, or potential for development in the field will be sought for
  • Fluent in written and spoken Swedish and English. Fluency in other Nordic languages will be an advantage


  • Minimum of 3+ years of relevant experience from credit risk within fields of underwriting and/or portfolio management
  • Background and knowledge from a Risk, Finance, Compliance, Legal or Audit function is desired and highly valued
  • Proven credit risk and corporate finance analysis track record
  • Understanding of auto consumer finance industry


  • Master or Bachelor’s degree in Business Administration, Finance, Accountancy, Audit, Economics or similar


  • As the initial focus for this position is to support the Swedish operations, the position is located at Santander Consumer Bank’s offices in Solna, Sweden
  • For the right candidate, location in Santander Consumer Bank’s offices in Copenhagen, Helsinki or Oslo can be considered

What we offer

  • An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
  • A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future
  • Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordic region


If you have the right profile we are eager to get in touch with you, so please submit your application as soon as possible. Applications are considered on an ongoing basis. If you have any questions regarding the role, please contact Lars Kronholm, Wholesale Credit Risk Leader, e-mail: [email protected]

Great Place to Work

  • We invest in you

  • Innovative and looking to the future

  • BeHealthy | Your health is important to us

  • Social events for all employees

  • Engaged colleagues

  • Dynamic work environment

  • Employee benefits and discounts

  • We give back to society

  • Competitive insurance and pension plans

  • Gode pensions- og forsikringsforhold

  • Vi investerer i din udvikling

  • Vi giver tilbage til samfundet

  • Medarbejderfordele og rabatter

  • Dedikeret kollegaer

  • Globale muligheder

  • Sociale arrangementer for alle medarbejdere

  • Innovativ og fremadtænkende virksomhed

  • Gode forsikrings- og pensjonsordninger

  • Engasjerte kolleger

  • Sosiale arrangement for alle ansatte

  • BeHealthy | Din helse er viktig for oss

  • Innovativt og fremtidsrettet selskap

  • Vi investerer i deg

  • Vi gir tilbake til samfunnet

  • Personalgoder og rabatter

  • Dynamisk arbeidsmiljø

  • Sociala evenemang för alla anställda

  • Dynamisk arbetsmiljö

  • Vi ger tillbaka till samhället

  • Konkurrenskraftiga pensioner & försäkringar

  • Innovation, förbättring och utveckling

  • Globala möjligheter

  • Friskvård - din hälsa är viktig för oss

  • Engagerade kollegor

  • Personalförmåner via Benify

About the company

We are a Nordic bank with more than 1,400 colleagues in Sweden, Norway, Denmark and Finland, and proud to be part of Banco Santander, one of the largest banks in the world with a solid history going back more than 160 years.

Our purpose is to help people and businesses prosper and we aim to be the best retail and commercial bank, earning the lasting loyalty of our people, customers, shareholders and communities - through simple, personal and fair banking.

In our organization we foster and value an engaged, challenging and passionate environment that provides opportunities for personal and professional growth. We operate in an ever changing environment, and believe the key to success is innovative involvement, a playful approach to active learning and continuous improvement in our daily work.

We are firmly committed to being a responsible bank in the way we operate, our culture, caring for our environment and giving back to society. Banco Santander is recognized as the most sustainable bank in the world following the publication of the Dow Jones Sustainability Index (DJSI) for 2019.

Read more about responsible banking on our global webpages.

Santander Consumer Bank is one of the largest Nordic banks providing loans and credits, credit cards, deposits and insurance to private customers.

To learn more about Santander in the Nordics, please visit our local webpages


TA Nordic Bank with global strength

TPart of Banco Santander – one of the world’s largest financial institutions

TBanco Santander’s history goes back more than 160 years

TWorld’s Most Sustainable Bank 2019 (Dow Jones Sustainability Index 2019)

TOver 1400 employees across the Nordics

TWe serve over 1.6 million customers

TStrategic partnerships with over 10 000 car dealers, merchants and brokers

TInnovation is key to our future success

TBanco Santanders historie går mere end 160 år tilbage

TVerdens mest bæredygtige bank 2019 (Dow Jones Sustainability Index 2019)

T1.400 ansatte på tværs af Norden

TOver 1.6 mio kunder

TStrategiske partnerskaber med mere end 10.000 bilforhandlere, indkøbere og brokere

TInnovation er nøglen til vores fremtidige succes

TVi leverer digitale kundeoplevelser

TEn Nordisk bank med global styrke

TEn del af Banco Santander – en af verdens største finansielle institutioner

THistorien vår går tilbake til 1963 i Norge

TOver 600 000 kunder og 3500 partnere i Norge

T50/50 fordeling menn og kvinner

TOver 600 000 kunder og 3500 partnere i Norge

TStørst på billån i Norge

TFremtidsrettede | Først ute i Norge med ApplePay

TVi er dedikert til å være en ansvarlig långiver!

TInnovative | Vår siste nyvinning SHFT – en abonnementsløsning for bil

TEn nordisk bank med global styrka

TDel av Banco Santander - en av världens största finansiella institutioner

TBanco Santanders historia går tillbaka mer än 160 år

TVärldens mest hållbara bank 2019 (Dow Jones Sustainability Index 2019)

T1400 anställda i Norden

TVi servar över 1,6 miljoner kunder

TInnovation är nyckeln till vår framgång

TVi levererar digitala kundupplevelser i framkant

Lars Kronholm | Contact Person

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Santander Consumer Bank Nordics

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