Underwriting & Portfolio Management Associate

Overview 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. Responsibilities Provide financial analysis on large corporate clients with a focus on credit. Underwrite credits, spread financials, perform projections unsupervised with deep understanding of the client. Participates in deal diligence process including identifying all key risks. Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports. Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls. Qualifications At least 3+ years of experience in credit underwriting with solid experience in spreading financials under GAAP and IFRS accounting, understanding the concepts of EBITDA add-backs and ability to perform projections unsupervised with deep understanding of the client. Experience with financial analysis of large corporate clients with a focus on credit. Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required. 3+ Years Financial analysis, structuring, underwriting and portfolio management. - Required. 3+ Years Experience with underwriting loan transactions - Required. Superior written and verbal communication skills. Strong analytical skills and proficiency navigating and understanding 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. Preferred Qualifications Other: Completion of bank-certified course in Credit Training - Preferred. Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. Remuneration Base pay range for this position is posted below and represents the annualized salary range. Minimum: $78,750.00 USD. Maximum: $122,500.00 USD. Risk Culture We embrace a strong risk culture and all of our professionals at all levels are expected 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. Location Primary Location: New York, NY, Madison Ave Corp. Other Locations: New York‑New York. Next Steps If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at View email address on click.appcast.io to discuss your needs. #J-18808-Ljbffr Santander Consumer USA