CIB Pre & Post Trade Operations, Whole Loans Aggregation - Vice President

Banco Santander•Dallas, TX

About The Position

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 what’s possible. This is more than a strategic shift. It’s 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 Vice President, Commercial & Wholesale Operations is responsible for end-to-end operational support of the U.S. Whole Loans Aggregation platform, covering pre-trade, trade execution support, post-trade settlement, and lifecycle management of whole loan transactions. This role ensures accurate, timely, and compliant delivery of loan trades to internal stakeholders, investors, and counterparties, while maintaining strong partnerships with Front Office, Risk, Legal, Compliance, Treasury, and external custodians and servicers. Acts as an operational relationship manager for internal trading desks, structuring teams, and external counterparties (sellers, investors, custodians, document custodians, and servicers), providing value-added guidance on trade mechanics, settlement timelines, and operational feasibility. Supports the onboarding and operational readiness of new loan sellers, buyers, and platforms, including due diligence coordination, data mapping, and operational model definition. Oversees pre-trade operational review, including eligibility checks, loan data integrity validation, pooling logic, pricing inputs, and alignment with transaction structures. Ensures accurate post-trade execution, including trade capture, confirmations, settlement instructions, cash flows, collateral movement, and reconciliation across systems. Coordinates settlement and delivery of whole loans, including: Purchase and sale settlements Bailee letter execution Custodian onboarding and certification Trailing document management Servicing transfer coordination Keeps abreast of regulatory, accounting, and market developments impacting whole loan trading (e.g., UCC considerations, servicing rights, AML/KYC for loan sellers, risk retention, and investor reporting requirements). Partners with Risk, Credit, Legal, and Compliance to ensure transactions align with Santander’s risk appetite, control framework, and regulatory obligations. Drives operational efficiency and scalability, identifying automation opportunities, control enhancements, and process improvements across the loan trade lifecycle. Manages operational risk, including break resolution, settlement fails, data discrepancies, and counterparty issues, ensuring timely escalation and resolution. Supports business growth initiatives by assessing operational impacts of new products, structures, investors, or servicing models.

Requirements

Bachelor’s Degree or equivalent work experience in Business, Finance, or a related field – Required
9+ years of experience in Capital Markets Operations, Loan Operations, or Structured Products Operations – Required
Strong understanding of whole loan products, including residential or commercial loans, servicing concepts, custodial models, and loan-level data
Proven experience supporting pre-trade and post-trade processes in a Markets or CIB environment
Demonstrated analytical ability with experience in trade support, transaction analysis, reconciliations, and issue resolution
Strong knowledge of operational controls, risk management, and regulatory expectations applicable to loan trading and aggregation
Excellent interpersonal skills with the ability to build effective partnerships with Front Office, Technology, Risk, Legal, Compliance, and external vendors
Proven ability to deliver practical, scalable operational solutions in a fast-paced trading environment
Knowledge of Santander’s Markets and Wholesale Banking operating model
Experience managing projects, process transformations, or system implementations preferred
In-depth knowledge of loan settlement mechanics, custodial processes, and servicing transfers
Excellent organizational, communication, and stakeholder management skills
Ability to resolve complex, non-standard operational issues requiring judgment and creativity
Solid decision-making skills within established policies and control frameworks
Strong written and verbal communication skills, including the ability to explain complex operational topics clearly
Advanced analytical skills with strong attention to detail
Proficient in Microsoft Office (Excel, PowerPoint, Word); experience with loan systems, trade capture platforms, or data repositories is a plus

Nice To Haves

Direct experience in Whole Loans Aggregation, Whole Loan Trading, or Structured Credit Operations
Exposure to servicing platforms, custodians, or document management vendors
Experience working in a regulated U.S. broker-dealer or bank Markets environment
Advanced Excel or data analysis skills for loan-level reporting and reconciliations

Responsibilities

end-to-end operational support of the U.S. Whole Loans Aggregation platform, covering pre-trade, trade execution support, post-trade settlement, and lifecycle management of whole loan transactions
ensures accurate, timely, and compliant delivery of loan trades to internal stakeholders, investors, and counterparties, while maintaining strong partnerships with Front Office, Risk, Legal, Compliance, Treasury, and external custodians and servicers
Acts as an operational relationship manager for internal trading desks, structuring teams, and external counterparties (sellers, investors, custodians, document custodians, and servicers), providing value-added guidance on trade mechanics, settlement timelines, and operational feasibility
Supports the onboarding and operational readiness of new loan sellers, buyers, and platforms, including due diligence coordination, data mapping, and operational model definition
Oversees pre-trade operational review, including eligibility checks, loan data integrity validation, pooling logic, pricing inputs, and alignment with transaction structures
Ensures accurate post-trade execution, including trade capture, confirmations, settlement instructions, cash flows, collateral movement, and reconciliation across systems
Coordinates settlement and delivery of whole loans, including: Purchase and sale settlements Bailee letter execution Custodian onboarding and certification Trailing document management Servicing transfer coordination
Keeps abreast of regulatory, accounting, and market developments impacting whole loan trading (e.g., UCC considerations, servicing rights, AML/KYC for loan sellers, risk retention, and investor reporting requirements)
Partners with Risk, Credit, Legal, and Compliance to ensure transactions align with Santander’s risk appetite, control framework, and regulatory obligations
Drives operational efficiency and scalability, identifying automation opportunities, control enhancements, and process improvements across the loan trade lifecycle
Manages operational risk, including break resolution, settlement fails, data discrepancies, and counterparty issues, ensuring timely escalation and resolution
Supports business growth initiatives by assessing operational impacts of new products, structures, investors, or servicing models