Portfolio Analyst, Sponsor & Specialty Finance

Banco Santander•Boston, MA

About The Position

The Sr. Specialist, Portfolio Management assists with all aspects of portfolio management to ensure timely and accurate implementation of investment strategies across various portfolios. The role collaborates with investment teams and internal cross-functional teams, communicates with borrowers, and serves as a primary contact for loan closing and post-closing loan management. The position reviews and processes funding disbursement requests, collects borrower financial statements and reporting documents, and helps assess financial condition, creditworthiness, and project compliance. It also supports portfolio rebalancing, cash management, account setup and transitions, loan delinquency analysis, and maintenance of loan portfolio systems and databases. The incumbent works with Finance on loan accounting, monitors adherence to client guidelines, and helps mitigate operational risk.

Requirements

Bachelor’s degree in a related field, or equivalent demonstrated through work experience, training, military service, or education.
At least 3 years of experience with portfolio management and asset management.
Ability to manage multiple projects from multiple team members simultaneously.
Ability to maintain accurate electronic files and database systems.
Organized and self-sufficient.
Strong quantitative reasoning and writing skills.
Knowledge of underwriting and experience with underwriting procedures.
Ability to present information effectively and respond to questions from groups or managers, members, and the general public.
Excellent member service skills.
Detail-oriented, with common-sense decision-making and above-average oral, written, and communication skills.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to work with mathematical concepts such as profitability and statistical inference, and apply fractions, percentages, ratios, and proportions to practical situations.
Ability to complete projects on time.
Legally authorized to work in the United States full-time without employer sponsorship to commence employment.

Nice To Haves

Established work history or equivalent demonstrated through work experience, training, military service, or education.

Responsibilities

Collaborate with investment teams and internal cross-functional teams as needed.
Communicate with borrowers and serve as a primary point of contact for loan closing and post-closing loan management.
Review and process funding disbursement requests, ensuring proper documentation and compliance with loan conditions.
Collect quarterly financial statements and reporting documentation and assist in assessing borrowers’ financial condition, creditworthiness, and project compliance.
Maintain working knowledge of loan policies and procedures.
Work with the Finance department to ensure correct accounting for loans.
Track, analyze, and communicate loan delinquencies and recommend actions to address them.
Rebalance portfolios in response to cash flows, guideline changes, or market movements.
Manage appropriate cash levels and equitize where necessary.
Monitor dispersion across portfolios with similar strategies and coordinate necessary actions with portfolio teams.
Ensure accounts are managed consistently with client guidelines.
Partner with internal and external teams to support funding new accounts, transfers-in-kind, client transitions, and general account setup.
Track trading trends of Santander products and build strong working relationships with Santander portfolio teams.
Mitigate companywide operational risk in the daily processing environment.
Maintain the loan portfolio management system and related databases.