Fund Finance Credit Associate: Underwrite & Portfolio

Santander US; Miami (FL); On-site; USD 86,000 - 135,000; Full time

Job summary

Santander US in New York City or Miami is seeking an Associate in Fund Finance Credit Portfolio Management to underwrite, structure, and monitor fund finance exposures for private capital clients. You will lead credit analysis, model cash flows, and defend risk-adjusted decisions while partnering with Product, Legal, and Risk teams.

The role emphasizes independent credit judgment, portfolio oversight, and ongoing development in credit risk, underwriting discipline, and regulatory readiness.

Qualifications

• 2-6 years of experience in fund finance or related structures such as subscription facilities or NAV-based lending.
• Strong project-management skills with the ability to manage multiple transactions and deadlines.
• Demonstrated accountability, intellectual curiosity, and sound judgment in assessing risk.
• Advanced Microsoft Excel and financial modeling capabilities.
• Ability to collaborate across Front Office, Risk, Legal, Operations, and senior management.

Responsibilities

• Prepare credit approvals and underwriting documentation with thorough analysis.
• Support underwriting and structuring of subscription lines, NAV-based lending, and related transactions.
• Deliver high-quality credit recommendations with clear risk articulation.
• Mentor junior team members and contribute to process improvements.

Skills

Underwriting

Portfolio management

Financial modeling

Credit risk assessment

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Quantitative discipline

Tools

Microsoft Excel

Financial modeling

Credit risk systems

Job description

Santander US in New York City or Miami is seeking an Associate in Fund Finance Credit Portfolio Management to underwrite, structure, and monitor fund finance exposures for private capital clients. You will lead credit analysis, model cash flows, and defend risk-adjusted decisions while partnering with Product, Legal, and Risk teams.

The role emphasizes independent credit judgment, portfolio oversight, and ongoing development in credit risk, underwriting discipline, and regulatory readiness.