Global Trade Finance Associate

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

Job summary

Banco Santander SA in the United States seeks an experienced Global Trade Finance Associate to manage receivables transactions end-to-end, from origination to execution. You will structure and price trade receivables, advise clients on working capital optimization, and lead legal documentation negotiations across the deal lifecycle.

Ideal candidates have 3+ years in structured/receivable finance, strong financial analysis skills, and a proactive, collaborative mindset to operate across

Qualifications

• Bachelor’s degree in related field or equivalent
• Experience with trade finance, working capital, and cash management
• Knowledge of receivables purchase agreements and related legal docs
• Credit risk evaluation techniques and financial statement analysis
• Strong motivation, proactivity and business origination skills
• 3+ years in Structured Finance, Receivable Finance or Cash Management
• Excellent presentation and organizational skills
• Understanding of the trade finance market and technology impact
• Ability to collaborate across geographic boundaries
• Experience in syndication of trade finance assets

Responsibilities

• Manage transactions from origination through execution.
• Structure, price, and execute trade receivable transactions for Corporate and Investment Banking clients.
• Advise clients on optimizing working capital with receivables solutions.
• Negotiate legal documentation to facilitate sale, perfection, or financing of receivables.
• Lead internal approvals with risk, middle office and support areas.
• Collaborate with bankers and other product teams to originate and maintain books of transactions.

Skills

Trade finance

Working capital

Cash management

Receivables

Credit risk

Financial analysis

Education

Bachelor’s degree

Job description

Global Trade Finance Associate Country: United States of America

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.

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 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.

• 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.