Corporate Underwriting & Portfolio Management VP

Banco Santander SA; Northern (KY); Hybrid; USD 109,000 - 185,000; Full time

Benefits offered by this job

Santander Benefits

Job summary

Santander is seeking a VP, Underwriting & Portfolio Management in the United States to lead underwriting, structuring, servicing and documentation of credits. You will analyze financials, monitor risk, and collaborate with bankers to prepare recommendations aligned with bank policy.

The role emphasizes strong communication, financial modeling expertise, and effective collaboration with client teams. Requires banking regulations knowledge and bank-certified credit training.

Qualifications

• Bachelor’s degree in related field or equivalent.
• Master’s degree in related field preferred.
• 7+ years financial analysis, structuring, underwriting and portfolio management.
• 7+ years experience underwriting corporate loan transactions.
• Superior written and verbal communication skills.
• Proficient with financial statements and Excel.
• Proficient in Microsoft Office including Word, Excel and PowerPoint.
• Experience proposing and negotiating credit and covenant structures.
• Comfortable with customer contact and escalations.
• Strong judgment and credit skills.

Responsibilities

• Underwrite, structure, service and document new and renewal credits.
• Lead underwriting work with bankers to prepare credit approval memos.
• Analyze financial statements and monitor portfolio performance.
• Assist in loan structuring, pricing and risk management.
• Support relationship managers on credit structures and documentation.

Skills

Credit analysis

Financial modeling

Microsoft Office

Communication skills

Team collaboration

Education

Bachelor's degree in related field

Master's degree in related field

Tools

Microsoft Office

Job description

Corporate Underwriting & Portfolio Management VP Country: Estados Unidos da América 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. If you are interested in exploring the possibilities We Want to Talk to You! 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. 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. 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. 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: $108,750.00 USD Maximum: $185,000.00 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. What To Do Next: If this sounds like a role you are interested in, then please apply. 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. The Santander Way O Santander está evoluindo de uma marca global de grande impacto para uma organização movida por tecnologia. E as nossas pessoas são o coração dessa evolução. Juntos, lideramos uma transformação centrada no cliente, que incentiva a inovação, o pensamento ousado e a coragem de ir além do convencional, desafiando os limites do possível. Isso é mais do que uma mudança estratégica. É uma oportunidade para profissionais que querem crescer, aprender continuamente e fazer a diferença. Nossa missão é contribuir para que cada vez mais pessoas e empresas prosperem. Para isso, cultivamos uma sólida cultura de gestão de riscos e esperamos que todos os nossos profissionais, independentemente do nível em que atuam, adotem uma postura proativa e responsável na identificação, avaliação e gestão dos riscos. Pronto(a) para fazer acontecer? Começa com você. Começa agora.