SCIB Portfolio Management Associate - CIB Lending

Overview Santander is a global leader and innovator in the financial services industry, evolving into a technology‑driven organization. Our people are at the heart of this journey, driving a customer‑centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. Role Overview The SCIB Portfolio Management Associate is an individual contributor within US SCIB COO Lending Solutions, responsible for supporting portfolio monitoring, credit reviews, financial spreading, covenant tracking, collateral monitoring, and lifecycle credit administration across SCIB lending portfolios. The role supports a range of business lines and products, including Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB‑linked credit exposures. Objectives: 1) ensure accurate & timely portfolio monitoring support, 2) maintain high‑quality credit, covenant, collateral and review materials, 3) support a scalable first line portfolio management framework. Key Responsibilities Prepare drafts and supporting analysis for quarterly & annual reviews, including borrower performance, financial trends, covenant compliance, collateral status, rating considerations and risk commentary. Perform credit spreading, ratio analysis, variance analysis and borrower update analysis using available financial statements and internal systems. Maintain portfolio review calendars, deliverable trackers and supporting evidence for assigned portfolio names. Track borrower reporting deliverables, financial covenants, non‑financial covenants, borrowing base requirements, collateral documents, insurance requirements and other ongoing obligations. Identify missing items, potential breaches, data quality issues and exceptions for escalation. Update covenant, collateral and portfolio monitoring tools accurately and timely. Support analysis and tracking for amendments, waivers, consents, extensions, repricings and other lifecycle events. Coordinate with Transaction Management, Credit, Legal, Agency and Operations to gather information and track approvals, documentation changes and system updates. Maintain documentation and evidence of lifecycle decisions and post‑close or post‑amendment follow‑ups. Prepare recurring portfolio reports, exception trackers, covenant dashboards, collateral monitoring updates and management reporting inputs. Support internal control, audit, credit review and regulatory information requests related to portfolio monitoring activities. Assist with data quality cleanup, process improvement initiatives and procedure documentation. Work with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance to obtain data, resolve monitoring issues and support timely reviews. Provide support across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB portfolios as assigned. Help train analysts on spreading, covenant tracking, monitoring tools and review preparation standards. Qualifications Bachelor degree or equivalent work experience. Working knowledge of credit analysis, financial statements, portfolio monitoring, covenant tracking, collateral monitoring and lending documentation. Exposure to Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred. Strong analytical, organizational and written communication skills. Ability to perform financial spreading, covenant calculations and recurring portfolio tracking. Strong Excel skills and comfort with credit, covenant, loan and reporting systems. Ability to manage deadlines and elevate issues clearly. Key Competencies Attention to detail and commitment to high‑quality work product. Curiosity, ownership and willingness to learn complex lending products. Strong collaboration across Business, Credit, Risk and Operations. Good judgment in identifying exceptions and escalation items. Education Bachelor Degree or equivalent work experience. Work Experience 3-6 years of relevant experience in portfolio management, credit analysis, financial spreading, lending, agency, credit administration, risk management or related roles. Certifications Completion of bank‑certified course in Credit Training – Preferred. Benefits Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. Our benefits are designed to support you, your family and your well‑being, now and into the future. Compensation Base Pay Range – Minimum: $145,000.00 USD; Maximum: $175,000.00 USD. 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, walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. #J-18808-Ljbffr Santander Consumer USA Inc.