CIB, Structured Finance Associate - Infrastructure

It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible. This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: Structured Finance specializes in originating, advising, and structuring financing for specific large-scale, long-term projects for corporate and government clients. Projects can include Energy generation, , Infrastructure, Digital , and Real Estate. Within Structured Finance, the Infrastructure Business is responsible for Oil & Gas Midstream (LNG, pipelines, storage, FPSOs), Transportation (rail, roads, airports, ports, terminals, EV infra), Asset Finance (rolling stock, aviation, shipping, EV fleets), Social Infrastructure (healthcare, education, defense), Gigafactories and Raw materials. The CIB, Structured Finance Associate in the Infrastructure Business will be a member of deal teams leading the origination, execution and distribution/syndication of financing transactions that meet Santander's profitability and risk targets and support the Firm's strategic objectives:

• Preparation of marketing materials and proposals
• Calling on clients, making presentations
• Structuring transactions, research, analysis of existing or potential transactions and/or industries
• Negotiating mandates
• Reviewing legal documents and negotiating transactions with clients, analyzing various risks and preparing credit applications and the development of cash flow models
• Participation in transaction due diligence
• Researching and analyzing industries and market data
• Participating in strategic planning and business management for the Infrastructure business
• Collaborate effectively with CIB teams globally across Structured Finance, Fund Finance, Leveraged Finance, M&A, Sponsor coverage and Distribution.

What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree or equivalent work experience in Finance, Business, Accounting, Engineering, or Economics or equivalent work experience
• 3+ years of relevant professional work experience
• Between 1-3+ years of experience in banking or finance industry with strong credit analysis experience. Exposure in infrastructure, real estate, renewable or digital/AI infrastructure debt or equity transactions is preferred but not required depending on credit analysis or prior project finance experience.
• Significant experience in the analysis and structuring of highly complex transactions, including project-oriented financings
• Must have exposure to analyzing and negotiating transaction documents
• Must have detailed direct experience of modelling and execution project financing transactions
• Ability to influence and drive complex initiatives and manage logistics with internal stakeholders
• Strong credit and risk analysis skills
• Ability to travel as required
• Strong analytical / problem solving skills
• Strong relationship management and negotiation skills
• Excellent written and verbal communications skills
• Superior organizational and time management skills with the ability to efficiently work on several priorities at a time
• Ability to work independently and in a fast-paced environment with little supervision
• Proficiency in Microsoft office products - Word, Excel and Outlook.

* Certifications: * SIE, S63, S79 required within 90 days of hire. It Would Be Nice For You To Have: * Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range: Minimum: $175,000.00 USD Maximum: $225,000.00 USD We Value Your Impact: 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. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) ( 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. 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. What To Do Next : 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 (mailto:View email address on click.appcast.io) to discuss your needs. Santander Holdings USA Inc