CRE Credit & Portfolio Associate - Underwrite & Grow

Santander Group; United States; On-site; USD 145,000 - 175,000; Full time

Job summary

Santander Group in the United States is seeking an Associate, CIB Credit & Portfolio Management to underwrite and monitor a CRE loan portfolio and related facilities. You will analyze collateral quality, sponsor strength, cash flows, and risk factors to support lending decisions.

The role involves deal diligence, structuring credit and covenants, preparing approval materials, and coordinating with front office, legal, and documentation teams.

Qualifications

• 5+ years CRE credit underwriting experience.
• Experience with CRE portfolio management and risk monitoring.
• Experience preparing credit approval memoranda and presenting recommendations.

Responsibilities

• Underwrite and monitor a CRE loan portfolio, assessing risks and collateral.
• Support deal diligence and structure credit and covenants.
• Prepare credit approval materials and present recommendations to committees.
• Coordinate with front office, legal, and documentation teams throughout the deal process.
• Monitor portfolio performance, covenants, and concentrations.

Skills

CRE underwriting

Credit risk analysis

Financial modeling

Loan structuring

Portfolio management

Deal diligence

Education

Bachelor's Degree

Tools

Excel

PowerPoint

Word

Job description

Santander Group in the United States is seeking an Associate, CIB Credit & Portfolio Management to underwrite and monitor a CRE loan portfolio and related facilities. You will analyze collateral quality, sponsor strength, cash flows, and risk factors to support lending decisions.

The role involves deal diligence, structuring credit and covenants, preparing approval materials, and coordinating with front office, legal, and documentation teams.