Global Trade Finance Associate

Santander Consumer USA Inc.; New York (NY); On-site; USD 145,000 - 175,000; Full time

Job summary

Santander Consumer USA Inc. is seeking an Associate, GTB Product Specialist in New York, NY to manage trade receivable transactions. You will structure and execute transactions for Corporate and Investment Banking clients, acting as the primary advisor to optimize their working capital needs.

The role requires a Bachelor’s Degree in a related field and 3+ years of experience in Structured Finance. Join us to be part of a team that values innovation and customer-centric transformation.

Qualifications

• 3+ years of experience in Structured Finance products or Receivable Finance.
• Ability to develop relationships inside the organization.
• Significant financial statement and analysis knowledge.

Responsibilities

• Manage the transactions from origination through execution.
• Act as advisor for clients exploring receivables solutions.
• Engage in the negotiation of legal documentation for transactions.

Skills

Trade finance

Cash management

Financial statement analysis

Business origination skills

Credit risk evaluation

Legal execution of agreements

Education

Bachelor’s Degree in a related field

Job description

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.

We want to talk to you!

The Difference You Make

The Associate, GTB Product Specialist will manage the transactions from origination through execution.

• Structuring, pricing, and execution of trade receivable transactions for Corporate and Investment Banking clients of Santander US.
• Act as advisor, consultant, and first point of contact for clients exploring methods to optimize their working capital through receivables solutions to meet their financing needs.
• Engage in the legal documentation negotiation of new and existing transactions in the receivable portfolio.
• Lead the internal approval process with the risk, middle office and other support areas.
• Engage with bankers, other products and areas to support the prospecting of new business origination and maintenance of existing book of transactions.

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 a related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required

Qualifications

• Experience with trade finance/working capital/cash management
• Experience with the legal execution and design of receivables purchase agreements and/or other legal documentation; to facilitate the sale, perfection, or financing of receivables and/or other assets.
• Knowledge of credit risk evaluation techniques
• Significant financial statement and analysis knowledge (working capital cycle, cash flow forecasting, financial statement analysis, modelling etc.).
• High motivation, proactivity, and accomplished business origination skills.
• 3+ years of experience in Structured Finance products or Receivable Finance or Cash Management
• High level of presentation and organizational skills.
• Understanding the competitive market and the role of technology within Trade Finance.
• Capability to develop relationships inside the organization to collaborate across geographical boundaries.
• Bachelor’s degree, or equivalent
• Experience in the syndication of trade finance assets to buy-side investors.

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.

Base Pay Range

Minimum: $145,000.00 USD
Maximum: $175,000.00 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.