Analyst, Portfolio Management Associate - CIB Lending

Key Responsibilities Perform financial spreading and basic credit analysis for assigned borrowers using financial statements, internal systems and portfolio management templates. Support quarterly and annual review preparation by gathering financials, covenant certificates, collateral data, borrower updates, rating inputs and prior review materials. Prepare initial variance analysis, ratio outputs, covenant calculations and portfolio data summaries for review by Associates and Vice Presidents. Maintain trackers for financial statement delivery, covenant certificates, borrowing base certificates, collateral deliverables, insurance requirements, annual reviews, quarterly reviews and other monitoring obligations. Identify missing or late deliverables, data inconsistencies and potential exceptions for escalation. Update portfolio monitoring tools and shared records accurately and on schedule. Assist with amendment, waiver and lifecycle event tracking by collecting data, maintaining logs and supporting evidence files. Coordinate with Transaction Management, Agency, Operations and Portfolio Management colleagues to confirm post‑close and ongoing monitoring requirements. Support document organization and retrieval for audits, credit reviews, regulatory requests and management reporting. Prepare recurring status reports, covenant dashboards, exception trackers and portfolio data extracts under supervision. Support data quality reviews, procedure updates, training materials and process improvement initiatives. Help maintain organized records for portfolio monitoring and control evidence. Build knowledge of Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB credit products, documentation and monitoring requirements. Collaborate with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance stakeholders as directed. Demonstrate ownership, responsiveness and willingness to learn in a fast‑paced CIB lending environment. Qualifications Bachelor degree or equivalent work experience. Foundational knowledge of financial statements, credit analysis, Excel and corporate finance. Exposure to banking, credit, lending, infrastructure finance, structured finance, leveraged finance, IG corporate lending or GTB helpful. Skills Strong Excel, analytical, organizational and written communication skills. Ability to perform accurate data entry, financial spreading and basic variance analysis. Attention to detail and comfort working with recurring deadlines and trackers. Willingness to learn credit systems, covenant tools, loan systems and portfolio reporting processes. Key Competencies High degree of accuracy and follow‑through. Curiosity and interest in CIB lending and credit risk. Ability to ask good questions and elevate potential issues promptly. Collaborative and service‑oriented approach. Education Bachelor Degree or equivalent work experience. Work Experience 0–3 years of relevant experience in credit analysis, finance, accounting, banking, lending operations, portfolio monitoring, agency, risk management or related roles. Certifications No certifications listed for this job. What Else You Need To Know Base Pay Range: Minimum: $110,000.00 USD; Maximum: $135,000.00 USD. Benefits: The compensation package includes a competitive salary, benefits designed to support you and your family, and additional rewards reflecting your impact. Work Authorization & Sponsorship Applicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship to commence employment. Risk Culture We embrace a strong risk culture and expect all professionals to take a proactive and responsible approach toward risk management. EEO Statement At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent minimal physical effort such as sitting, standing, and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. #J-18808-Ljbffr Banco Santander SA