Corporate Banking Underwriting & Portfolio Management - Associate

Santander

136d • $78,750 - $122,500

About The Position

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.

Requirements

• Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field.
• 5+ Years of financial analysis, structuring, and portfolio management experience.
• 5+ Years of experience underwriting commercial and/or corporate loan transactions.
• Superior written and verbal communication skills.
• Strong analytical skills and proficient with financial statements.
• Ability to work in a fast paced environment with little supervision.
• Ability to work well with others and on teams.
• 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.
• 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.

Nice To Haves

• Completion of bank-certified course in Credit Training.

Responsibilities

• 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.
• Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls.
• Manages legal aspect of deal process.
• Mentors junior resources on underwriting best practices.

Benefits

• Base Pay Range Minimum: $78,750.00 USD
• Base Pay Range Maximum: $122,500.00 USD

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees