CIB, VP, Underwriting & Portfolio Management

Santander

1d • $108,750 - $185,000 • Onsite

About The Position

The CIB, VP, Underwriting & Portfolio Management focuses on support to commercial lending teams. The incumbent provides expertise in underwriting, structuring, servicing and documenting new and renewal credits. In addition, the incumbent is responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. The Sr. Associate, Underwriting & Portfolio Management performs servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization. Provides quality customer service, including participation in joint calls on customers, as needed. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Assists in special projects as assigned.

Requirements

• Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• 9+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.
• 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.
• 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.
• Proficiency with computer systems.
• Completion of bank-certified course in Credit Training - Required.

Nice To Haves

• Master’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred
• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Responsibilities

• Provides expertise in underwriting, structuring, servicing and documenting new and renewal credits.
• Identifies, gathers and analyzes relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures.
• Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis.
• Performs servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization.
• Provides quality customer service, including participation in joint calls on customers, as needed.
• Manages and services a portfolio of existing loan relationships.
• Expands and builds relationships with a high degree of resultant customer satisfaction.
• Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Assists in special projects as assigned.

Benefits

• A fair and competitive rewards package that reflects the impact you create and the value you deliver.
• Benefits are designed to support you, your family and your well-being, now and into the future.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior