Portfolio Management Analyst – Corporate Lending

Santander US; Miami (FL); On-site; USD 145,000 - 175,000; Full time

Job summary

Santander US seeks a SCIB Portfolio Management Associate to support monitoring, credit reviews and covenant tracking across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB lending portfolios. You will prepare quarterly analyses, maintain calendars and collaborate with Front Office, Credit, Risk and Operations to ensure timely reviews and high-quality credit documentation.

This role emphasizes data quality, process improvement and a scalable first-line portfolio

Qualifications

• Bachelor degree or equivalent work experience.
• Working knowledge of credit analysis, financial statements, portfolio monitoring, covenant tracking, collateral monitoring and lending documentation.
• Exposure to Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred.
• Strong analytical, organizational and written communication skills.
• Ability to perform financial spreading, covenant calculations and recurring portfolio tracking.
• Strong Excel skills and comfort with credit, covenant, loan and reporting systems.

Responsibilities

• Prepare drafts and supporting analysis for quarterly and annual reviews, including borrower performance, financial trends, covenant compliance, collateral status, rating considerations and risk commentary.
• Perform credit spreading, ratio analysis, variance analysis and borrower update analysis using available financial statements and internal systems.
• Maintain portfolio review calendars, deliverable trackers and supporting evidence for assigned portfolio names.
• Prepare recurring portfolio reports, exception trackers, covenant dashboards, collateral monitoring updates and management reporting inputs.
• Work with Front Office, Credit, Risk, Agency, Operations and Finance to obtain data, resolve monitoring issues and support timely reviews.

Skills

Credit analysis

Financial spreading

Portfolio monitoring

Covenant tracking

Collateral monitoring

Lending documentation

Education

Bachelor degree or equivalent work experience

Job description

Santander US seeks a SCIB Portfolio Management Associate to support monitoring, credit reviews and covenant tracking across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB lending portfolios. You will prepare quarterly analyses, maintain calendars and collaborate with Front Office, Credit, Risk and Operations to ensure timely reviews and high-quality credit documentation.

This role emphasizes data quality, process improvement and a scalable first-line portfolio