Santander US

Santander US

SCIB Portfolio Management Associate - CIB Lending

Miami · Full-time

No sponsorshipDetected 29 days ago
ExcelProcess ImprovementLeadershipCommunicationCollaborationVariance Analysis

About the role

  • 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!

Responsibilities

  • Credit Review Support
  • 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.
  • Amendment and Waiver Support
  • Support analysis and tracking for amendments, waivers, consents, extensions, repricings and other lifecycle events.
  • Maintain documentation and evidence of lifecycle decisions and post-close or post-amendment follow-ups.
  • Support internal control, audit, credit review and regulatory information requests related to portfolio monitoring activities.
  • 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.

Requirements

  • Bachelor degree or equivalent work experience.
  • Working knowledge of credit analysis, financial statements, portfolio monitoring, covenant tracking, collateral monitoring and lending documentation.
  • Frequent minimal physical effort such as sitting, standing and walking is required for this role.
  • 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 escalate 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.

Nice to have

  • Completion of bank-certified course in Credit Training - Preferred.
  • Other: Completion of bank-certified course in Credit Training - Preferred.
  • Exposure to Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred.

Compensation

  • $145,000.00 USD Maximum:
  • $175,000.00 USD
  • 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.
  • Prepare drafts and supporting analysis for quarterly and annual reviews, including borrower performance, financial trends, covenant compliance, collateral status, rating considerations and risk commentary.

Benefits

  • 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)

Company info

  • 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.
  • 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.
  • 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 TAOps@santander.us to discuss your needs.

Equal opportunity

  • 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.

Visa & Work Authorization

  • Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.
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This listing is sourced directly from Santander US's careers page and normalized into a canonical job model.