Underwriting & Portfolio Management / Middle Market & C& I Banking

Santander

1d•$86,250 - $135,000

About The Position

The Vice President, Underwriting & Portfolio Management 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 role supports the department manager on continuous improvement initiatives and leads projects that support loan growth and efficiency objectives within lines of business. The position also helps deliver an industry-leading experience for internal and external customers and acts as a subject matter expert. The role leads deal diligence, identifies key risks, reviews deal documents and information from data rooms, companies, sponsors, and third-party reports, and helps structure deals. It oversees internal approvals, ensures approval write-ups are completed accurately and on time, leads deal-merit discussions on internal approval calls, manages legal aspects of the deal process, and mentors junior resources on underwriting best practices.

Requirements

Bachelor’s degree in a related field, or equivalent demonstrated through work experience, training, military service, or education.
At least 5 years of experience in financial analysis, structuring, underwriting, and portfolio management.
At least 5 years of experience underwriting loan transactions.
Superior written and verbal communication skills.
Strong analytical skills and proficiency with financial statements.
Ability to work in a fast-paced environment with little supervision.
Ability to work well with others and on teams.
Proficiency in Microsoft Office, including Word, Excel, and PowerPoint.
Skill in proposing, negotiating, and recommending credit and covenant structures.
Comfort with customer-contact situations, including escalations and potential workout or loan-restructuring environments.
Ability to foster strong partnerships with related documentation and underwriting units.
Practical and conceptual knowledge of credit and risk analysis.
Knowledge of financial modeling and ability to structure credit in a modeling environment and assist relationship managers with structuring credit relationships.
Ability to independently reach conclusions and form a clear view of credit structure and business risk to the organization.
Solid understanding of industry nuances applicable to the credits in the group's portfolio.
Solid knowledge of loan and related legal documents.
Ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
Strong judgment and sound credit skills.
Knowledge of Federal banking regulations.
Legal authorization to work in the United States full-time without requiring employer sponsorship to commence employment.

Nice To Haves

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

Responsibilities

Manage a portfolio of complex and/or high-dollar banking loan relationships and monitor risks inherent in the business loan portfolio.
Support the department manager on continuous improvement initiatives.
Lead projects that support loan growth and efficiency objectives within lines of business.
Help deliver an industry-leading experience for internal and external customers and act as a subject matter expert.
Lead deal diligence processes and identify key risks.
Review relevant deal documents and information provided in data rooms, by companies or sponsors, and through third-party reports.
Help structure deals.
Oversee the internal approval process, including ensuring accurate and timely completion of approval write-ups.
Lead deal-merit discussions on internal approval calls.
Manage the legal aspects of the deal process.
Mentor junior resources on underwriting best practices.