Associate, Transaction Management

Santander Consumer USA Inc.; Miami, Northern (FL, KY); Hybrid; USD 108,000 - 133,000; Full time

Job summary

Santander Consumer USA Inc. in the United States seeks an Associate, Transaction Management – SCIB Lending to oversee complex Leveraged Finance and Structured Finance transactions from approval to closing, booking, funding, and lifecycle handoff.

You will coordinate across Advisory, Legal, Credit, and Front Office to ensure documentation and controls are in place. The role emphasizes attention to detail, timely execution, and cross-functional collaboration to support a robust lending solutions

Qualifications

• Strong transaction execution, problem-solving, stakeholder engagement and understanding of control requirements.
• Ability to manage execution activities across multiple complex closings and amendments under time pressure.
• Strong understanding of Lev Fin and Structured Finance structures, credit agreements, funds flows, allocations, and agency processes.
• Experience with Loan IQ or comparable loan booking / servicing platforms preferred.

Responsibilities

• Support the execution of complex Leveraged Finance, Structured Finance, syndicated, bilateral, club, participant, left lead, and amendment transactions from pre-approval through close.
• Coordinate closing checklists, conditions precedent, documentation status, approval evidence, funds flow, allocations, operational setup, and stakeholder readiness.
• Monitor for material changes to approved terms and elevate them for review and re-approval where required before signing, closing, booking, or funding.
• Partner with Advisory, Legal and Front Office during documentation negotiation to help identifying operational, control, booking, agency, collateral, covenant, and funding implications.

Skills

Transaction execution

Stakeholder engagement

Problem-solving

Attention to detail

Escalation discipline

Cross-functional collaboration

Education

Bachelor Degree or equivalent work experience

Tools

Loan IQ

Job description

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 Associate, Transaction Management – SCIB Lending (incl. Leveraged Finance and Structured Finance) is an Associate individual contributor role within US SCIB COO Lending Solutions. The role is responsible for managing complex lending transactions from approval through closing, booking, funding, settlement, and lifecycle handoff, with a primary focus on SCIB lending transactions (incl. Leveraged Finance and Structured Finance).

Objectives

Objectives are to

1) Ensure lending transactions are closed and booked in accordance with approvals, executed documentation, KYC/AML requirements and operational readiness standards.

2) Support front-to-back coordination across Business Lines, Advisory, Credit, Legal, Compliance, Agency, Capital Markets, Treasury, Finance, Operations and Back Office.

3) Strengthen the US SCIB Lending Solutions control environment.

Key Responsibilities

Transaction Execution and Closing Management

• Support the execution of complex Leveraged Finance, Structured Finance, syndicated, bilateral, club, participant, left lead, and amendment transactions from pre-approval through close.
• Coordinate closing checklists, conditions precedent, documentation status, approval evidence, funds flow, allocations, operational setup, and stakeholder readiness.
• Monitor for material changes to approved terms and elevate them for review and re-approval where required before signing, closing, booking, or funding.
• Partner with Advisory, Legal and Front Office during documentation negotiation to help identifying operational, control, booking, agency, collateral, covenant, and funding implications.

Approval-to-Book Controls

• Review and track that approvals, KYC/AML diligence, borrower/guarantor/lender onboarding, legal documentation, collateral/security requirements, insurance, UCC/lien perfection, flood diligence, covenant setup, risk system updates, deal capture and booking data for completion, escalating outstanding items as appropriate.
• Prepare and review booking instructions and coordinate with Middle Office, Back Office, Treasury, Finance, Agency and Operations to support accurate system setup and funding readiness.
• Track and support the resolution of booking defects, documentation gaps, post-close items, and control exceptions.

Amendments and Lifecycle Events

• Support the execution of transaction amendments, waivers, extensions, repricings, incremental facilities, assignments, paydowns and other lifecycle events requiring cross-functional execution.
• Track required credit, business, legal, compliance and operational approvals and elevate outstanding items as appropriate before implementation.
• Support the handoff of transactions to Portfolio Management, Agency, Operations and Servicing for covenant, collateral, monitoring, and servicing obligations.

Team Build-out, Training and Process Improvement

• Contribute to the development and enhancement of procedures, playbooks, closing standards, training materials, issue logs, and quality control routines.
• Share knowledge and support the onboarding of new team members on deal mechanics, Lev Fin and Structured Finance transaction structures, closing protocols, documentation review, booking controls, and escalation standards.
• Identify recurring issues and contribute to process, technology, data quality, and control enhancements.

Stakeholder Collaboration

• Work closely with Leveraged Finance, Structured Finance, IG, GTB, Capital Markets, Credit, Legal, Compliance, Agency, Treasury, Finance, Operations, and Client Lifecycle Management stakeholders.
• Communicate clearly on transaction status, blockers, risks, decisions, dependencies, and escalation items.
• Support audit, regulatory, credit review and internal control requests related to transaction execution and closing evidence.

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.

Qualifications

• Strong transaction execution, problem-solving, stakeholder engagement and understanding of control requirements.
• Ability to manage execution activities across multiple complex closings and amendments under time pressure.
• Strong understanding of Lev Fin and Structured Finance structures, credit agreements, funds flows, allocations, and agency processes.
• Experience with Loan IQ or comparable loan booking / servicing platforms preferred.

Key Competencies

• Ability to work effectively with Front Office, Advisory, Credit, Legal, Compliance, Operations and Finance.
• Excellent attention to detail, escalation discipline, and accountability.
• Ability to share knowledge with team members and contribute to the development of repeatable execution standards.
• Understanding of commercial priorities and first line control requirements.

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:

$107,500.00 USD

Maximum:

$132,500.00 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, standingand 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.

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 [e-mail] to discuss your needs.