CIB, Structured Finance Associate

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

Job summary

Santander is seeking an experienced Structured Finance Associate in the United States to originate and structure large-scale projects for corporate and government clients. You will prepare proposals, present to clients, and work on credit analyses and cash flow models with cross-functional teams.

Ideal candidates bring 3+ years in finance, strong credit and negotiation skills, and the ability to manage complex transactions in a fast-paced environment.

Qualifications

• 3+ years of relevant professional work experience.
• Experience in commercial banking or finance with credit analysis exposure.
• Strong ability to analyze and negotiate transaction documents.
• Experience with modeling and execution of project financing transactions.

Responsibilities

• Preparation of marketing materials and proposals.
• Calling on clients and delivering presentations.
• Structuring transactions and researching industries.
• Negotiating mandates and reviewing legal documents.
• Analyzing risks and preparing credit applications and cash flow models.
• Participating in transaction due diligence.
• Researching industries and market data; supporting strategic planning.

Skills

credit analysis

financial modeling

risk analysis

stakeholder management

negotiation

Education

Bachelor’s Degree in Finance or related field

Tools

Excel

Word

PowerPoint

Job description

CIB, Structured Finance Associate

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:

Structured Finance specializes in originating, advising, and structuring financing for specific large-scale, long-term projects for corporate and government clients. Projects can include energy exploration, production and transmission, Infrastructure, Digital Infrastructure, and Real Estate.

We have several openings across our Digital, Infrastructure Business and Energy groups.

• 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:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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. - Required.
• Demonstrated successful execution of syndicated loan transactions.
• Intellectually product savvy, energetic, and self motivated with strong initiative to achieve sales goals.
• Proficiency in Microsoft office products - Word, Excel and Outlook.
• 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.
• Expert presentation and public speaking skills.
• 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.

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, 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.

What To Do Next** :

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.