Associate, Portfolio Management Community Development / CRE

santander; Spain; On-site; EUR 90,000 - 147,000; Full time

Job summary

Santander is seeking an Associate in Portfolio Management to manage a mid-market credit portfolio, lead underwriting discussions, and coordinate loan documentation. The role emphasizes risk management, client relationships, and cross-selling credit products.

You will work with a team focused on prudent credit execution, timely renewals, and regulatory compliance while driving growth in net interest income in a dynamic, global banking environment.

Qualifications

• Bachelor's Degree in related field or equivalent demonstrated through work experience.
• 9+ years experience in credit structuring, underwriting, and cross-selling.
• Strong analytical skills and proficiency with financial statement modeling.
• Strong credit skills with the capacity to evaluate strength and weakness of a wide variety of credits.
• Excellent interpersonal, team building and communication skills.

Responsibilities

• Manages a portfolio of credit account relationships and oversees credit risk management.
• Leads underwriting discussions and coordinates loan documentation and closings.
• Grows portfolio to increase net interest income and loan-related fees.
• Delivers exceptional credit execution including underwriting and portfolio management within an assigned middle market portfolio.
• Negotiates credit terms, underwrites loan requests, leads deal screen and loan approval discussions, and closes approved transactions with counsel involvement.
• Produces quality underwriting documents for new/incremental business.
• Works with Risk Management on underwriting and approval matters.
• Ensures compliance with laws and internal policies and meets regulatory requirements.

Skills

Analytical skills

Credit analysis

Communication skills

Independent work

Microsoft Office

Education

Bachelor's Degree

Tools

Microsoft Office

Job description

Associate, Portfolio Management Community Development / CRE

Country: United States of America

It Starts With You:

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:

• The Sr. Associate, Portfolio Management manages a portfolio of credit account relationships and is responsible for credit risk management, retention and expansion of directly assigned customer relationships including underwriting, leading loan approval discussions, coordinating loan documentation and closing new loans to existing and new customers.
• Grows and manages an assigned portfolio of high level banking credit account relationships, generating growth in net interest income and loan-related fee revenue.
• Achieves a high level of client satisfaction and customer service including periodic client meetings to respond to customer credit questions, sell appropriate credit products and services and identify cross-sell opportunities and make appropriate referral
• Delivers exceptional credit execution including prudent, sound and timely completion of all underwriting and portfolio management requirements within an assigned middle market portfolio.
• Directly negotiates credit terms with clients, underwrites loan requests, leads deal screen & loan approval discussions, and closes approved credit transactions including engagement of counsel and preparation of legal documentation for loans to existing a
• Produces quality underwriting documents for new/incremental business.
• Thoroughly identifies and analyzes all risks and mitigating factors, identifies variances to policy/procedures and assign accurate risk grade with appropriate justifications.
• Ensures timely completion of renewals, annual reviews, and interim analyses.
• Works collaboratively with Risk Management on underwriting and credit approval matters.
• Supports a strong risk culture for Santander by conducting day-to-day business in compliance with laws and regulations, internal policies and guidelines and proactively identifying, communicating, and addressing issues warranting attention.
• Meets Credit Risk Review, Audit and OCC requirements for acceptable reviews.
• Ensures that the portfolio and all deal screen memos, term sheets and underwriting documents meet all existing Company and federal compliance requirements.

What You Bring:

• Education: Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• Qualifications: 9+ Years Experience in credit structuring and underwriting and cross selling. - Required.
• Strong analytical skills and proficiency with financial statement modeling.
• Strong credit skills with the capacity to evaluate strength and weakness of a wide variety of credits.
• Formal credit training program preferred.
• Ability to produce high quality underwriting documents with concise, well-reasoned analysis under tight time constraints.
• Ability to work independently and proactively address the needs of assigned portfolio.
• Excellent interpersonal, team building and communication skills.
• Thorough understanding of regulations governing financial products and services.
• Proficient with Microsoft office

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Certifications:

No Certifications listed for this job.

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.

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.

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:

$101,250.00 USD

Maximum:

$165,000.00 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 deli