Fund Finance Credit Underwriter & Portfolio Manager

Santander Consumer USA Inc.; Miami (FL); Hybrid; USD 86,000 - 135,000; Full time

Job summary

Santander Consumer USA Inc. is seeking a seasoned credit professional to manage underwriting and portfolio responsibilities for fund finance transactions in the US market.

The role emphasizes rigorous credit risk assessment, financial modeling, and strong execution discipline. Responsibilities include preparing credit approvals, monitoring post-close covenant compliance, and mentoring junior staff while aligning with Santander's risk standards.

Qualifications

• 2–6 years of experience in commercial banking, investment banking, leveraged finance, structured finance, fund finance, private credit, corporate banking, or other credit-intensive roles.
• Prior exposure to subscription facilities, NAV-based lending, or fund-level financing is a plus but not required.
• Strong project-management skills with the ability to manage multiple transactions and deadlines.
• Accountability, curiosity, and sound judgment in risk assessment.

Responsibilities

• Prepare and analyze credit exposures, ensure underwriting and due diligence documentation is complete.
• Support underwriting/structuring of subscription lines, NAV, hybrid, EBL and other transactions.
• Deliver high-quality credit recommendations with mitigants and protections.
• Mentor and develop junior team members and participate in strategic initiatives.

Skills

Credit underwriting

Financial modeling

Financial analysis

Risk assessment

Attention to detail

Education

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

Strong foundation in financial analysis/corporate finance

Tools

Excel

Job description

Santander Consumer USA Inc. is seeking a seasoned credit professional to manage underwriting and portfolio responsibilities for fund finance transactions in the US market.

The role emphasizes rigorous credit risk assessment, financial modeling, and strong execution discipline. Responsibilities include preparing credit approvals, monitoring post-close covenant compliance, and mentoring junior staff while aligning with Santander's risk standards.