Corporate Underwriting & Portfolio Management VP

santander; España; Presencial; EUR 158.000 - 211.000; Jornada completa

Descripción de la vacante

Santander in the United States seeks a Vice President of Underwriting & Portfolio Management to lead credit analysis, structuring, servicing, and documentation of new and renewal credits. You will guide risk assessment, prepare credit memos, and collaborate with bankers to optimize loan structures and pricing.

The role requires 7+ years in financial analysis, underwriting, and portfolio management, with strong communication and MS Office skills.

Formación

• 7+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.
• 7+ Years Experience underwriting corporate loan transactions - Required .
• Superior written and verbal communication skills.
• Strong analytical skills and proficient with 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 knowledge in financial modeling and able to structure credit in modeling environment.
• Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization.
• 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.

Responsabilidades

• Lead underwriting, structuring, servicing and documenting new and renewal credits.
• Identify, gather and analyze information to assess credit risk and viability of sources of repayment.
• Prepare credit approval memos with recommendations aligned with bank policy.
• Perform servicing reviews and support portfolio management to minimize risk.

Conocimientos

Financial analysis

Credit underwriting

Portfolio management

Communication skills

MS Office

Financial modeling

Risk analysis

Team collaboration

Negotiation

Regulatory knowledge

Educación

Bachelor's degree in related field

Master's degree preferred

Descripción del empleo

Corporate Underwriting & Portfolio Management VP

Country: United States of America

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.

The Difference You Make:

The VP, Underwriting & Portfolio Manager provides expertise in underwriting, structuring, servicing and documenting new and renewal credits. In addition, the incumbent is responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. You will perform servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization. Provides quality customer service, including participation in joint calls on customers, as needed.Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.Helps to structure deals.Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.Assists in special projects as assigned.

Education:

• Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• Master's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred

Qualifications:

• 7+ Years Financial analysis, structuring, underwriting and portfolio management. - Required .
• 7+ Years Experience underwriting corporate loan transactions - Required .
• Superior written and verbal communication skills.
• Strong analytical skills and proficient with 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. ge of Federal banking regulations.

Certifications:

• Other: Completion of bank‑certified course in Credit Training - Required.

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, ex