Corporate Banking Underwriting & Portfolio Management - Associate Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. The Difference You Make: The Associate, Corporate Banking Underwriting & Portfolio Management underwrites and manages transactions, and routinely monitors them for risks inherent in a business loan portfolio. The incumbent provides support to the manager of the department on continuous improvement initiatives and takes the lead on projects that support loan growth and efficiency objectives within lines of business. The Associate helps deliver an industry-leading experience for both internal and external customers and acts as a subject matter expert. • Leads deal diligence process including identifying all key risks. • Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports. • Helps to structure deals. • Manages legal aspect of deal process. • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - 5 Years of financial analysis, structuring, and portfolio management experience - Required. 5 Years of experience underwriting commercial and/or corporate loan transactions - Required. • Strong analytical skills and proficient with financial statements. • Ability to work in a fast paced environment with little supervision. • Proficient in Microsoft Office, including Word, Excel and PowerPoint. • 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. • Ability to foster strong partnerships with the related documentation and underwriting units. • 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. • Must demonstrate strong judgment and sound credit skills. • Knowledge of Federal banking regulations. Certifications: • Other Completion of bank-certified course in Credit Training - Preferred. 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. 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. 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. 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. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . You may be evaluated in part based upon your performance of the tasks listed in this job description. 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. 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