Structured Finance - Underwriting & Portfolio Management Associate

Santander

89d • $78,750 - $122,500

About The Position

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. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities.

Requirements

• Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field.
• CFA Charter and/or MBA (Preferred).
• Financial analysis, structuring, underwriting and portfolio management experience.
• Experience with infrastructure companies, preferably renewable energy.
• Proficient communicator (orally and in writing) with clients, peers and fellow associates.
• Proficient with Microsoft Office applications.
• Ability to work and interact with various departments.
• Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines.
• Thorough knowledge and understanding of Structured Finance loan products and services.

Nice To Haves

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

Responsibilities

• Communicates portfolio trends, risks and mitigants to senior leadership.
• Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements.
• Leads underwriting, structuring and closing of amendments, upsizes and extensions, as needed, including annual reviews and credit approval memos.
• Develop credit recommendations which include clear views of credit structures and borrower’s risks.
• Lead the financial modelling of complex structured corporates, including the impacts of complex transactions including mergers, acquisitions and divestitures.
• Supports junior development through building strong relationships with the team as a mentor as needed.
• Collaborates with product team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals.
• Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance.
• Monitors and enforces terms of loan agreement / documents.
• Identifies and establishes best practices policies and procedures.
• Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence.
• Leads and/or provides valuable input for broader business initiatives, projects and goals.

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: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees