VP - CIB Underwriting & Portfolio Management

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge whats possible. This is more than a strategic shift. Its a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The CIB Underwriting & Portfolio Management - IC4 focuses on support to commercial lending teams. The incumbent provides expertise in underwriting, structuring, servicing and documenting new and renewal credits. In addition, the incumbent is responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. The Sr. Associate, Underwriting & Portfolio Management performs servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization. Provides quality customer service, including participation in joint calls on customers, as needed.

• Manages and services a portfolio of existing loan relationships.
• Expands and builds relationships with a high degree of resultant customer satisfaction.
• Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Assists in special projects as assigned.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelors Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• Master's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred

• 9+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.
• Skilled in proposing and negotiating and recommending credit and covenant structures.
• Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments.
• Demonstrated practical and conceptual knowledge of credit and risk analysis.
• Demonstrated knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RM's on how to structure the credit relationship.
• Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization.
• Solid understanding of industry nuances applicable to the credits contained within the group's portfolio.
• Solid knowledge of loan and related legal documents.
• Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
• Must demonstrate strong judgment and sound credit skills.
• Knowledge of Federal banking regulations.
• Proficiency with computer systems.

Certifications:

• Other: Completion of bank-certified course in Credit Training - Required.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship:
Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

Maximum:

We Value Your Impact:

Your contribution matters and its recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions:

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.