CIB, Structured Finance Associate

Banco Santander SA; United States; On-site; USD 175,000 - 225,000; Full time

Job summary

Santander is seeking a CIB, Structured Finance Associate in the United States to support structuring, analysis and negotiation of complex transactions across digital infrastructure and related sectors. The role emphasizes rigorous credit evaluation, market research, and cross-functional collaboration with internal stakeholders.

You will contribute to developing cash flow models, preparing credit applications, and due diligence for multi-faceted transactions while engaging with clients and

Qualifications

• Bachelor's Degree or equivalent in Finance, Business, Accounting, Engineering, or Economics.
• 3+ years of relevant professional work experience.
• 1-3+ years in commercial banking or finance with strong credit analysis.
• Experience with digital/AI infrastructure or project finance preferred.
• Experience in structuring and negotiating complex transactions.
• Experience modeling and executing project financing transactions.
• Ability to travel as required.
• Strong credit and risk analysis skills.
• Excellent written and verbal communications skills.
• Proficiency with MS Office.

Responsibilities

• Prepare marketing materials and proposals calling on clients, making presentations.
• Structure transactions and negotiate mandates.
• Research and analyze potential transactions and industries.
• Review legal documents and negotiate transactions with clients.
• Analyze risks and develop cash flow models for credit applications.
• Participate in transaction due diligence.
• Research industries and market data.
• Support Digital Infrastructure business strategic planning.

Skills

Credit analysis

Risk analysis

Financial modeling

Presentation skills

Negotiation

Analytical thinking

Communication skills

Excel

Travel willingness

Client relationship

Education

Bachelor's degree in Finance/Business/Accounting/Engineering/Economics

Tools

Microsoft Office (Word, Excel, Outlook)

Job description

CIB, Structured Finance Associate

Country: United States of America

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:

• 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
• Participates in transaction due diligence
• Researching and analyzing industries and market data
• Participating in strategic planning and business management for the Digital Infrastructure business

What You Bring:

• 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 commercial banking or finance industry with strong credit analysis experience
• Exposure in digital/AI infrastructure, real estate, renewable or 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 energy 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 in a fast‑paced environment with little supervision
• Proficiency in Microsoft office products - Word, Excel and Outlook

Qualifications:

• 3 Years Business Development, Product Specialist Management, or related experience
• Demonstrated successful execution of syndicated loan transactions
• Expert presentation and public speaking skills
• Ability to influence and drive complex initiatives and manage logistics with internal stakeholders
• Ability to analyze/understand leading technologies and companies
• Ability to travel within assigned territory as required
• Strong analytical / problem solving skills
• Strong relationship management and negotiation skills
• Proficiency in Microsoft office products - Word, Excel and Outlook
• Ability to work independently

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: $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.

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.