USA Underwriting & Portfolio Management IC5 (007UN4)

Santander

2d•$145,000 - $175,000•Onsite

About The Position

The CIB Underwriting & Portfolio Management - IC5 manages a portfolio of complex and/or high dollar banking loan relationships, 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 take the lead on projects that support loan growth and efficiency objectives within lines of business. The Associate, Underwriting & Portfolio Management 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. 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.

Requirements

Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
5+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.
5+ Years Experience with underwriting loan transactions - Required.
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.
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.
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

Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Completion of bank-certified course in Credit Training - Preferred.

Responsibilities

Manages a portfolio of complex and/or high dollar banking loan relationships.
Routinely monitors loan portfolio for inherent risks.
Provides support to the manager of the department on continuous improvement initiatives.
Takes the lead on projects that support loan growth and efficiency objectives within lines of business.
Helps deliver an industry-leading experience for both internal and external customers.
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.
Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups.
Leads deal merit discussion on internal approval calls.
Manages legal aspect of deal process.
Mentors junior resources on underwriting best practices.