Portfolio Management Analyst - Credit & Finance Analytics

Santander; Miami (FL); On-site; USD 68,000 - 110,000; Full time

Job summary

Santander in the United States is seeking a Credit Spreading & Analysis Support professional to assist with financial spreading, credit analysis, and monitoring across portfolios. You will gather data, support reviews, and maintain tracking tools to ensure timely compliance with covenants and reporting requirements.

The role emphasizes collaboration with Front Office, Credit, Risk, Agency, Operations, and Finance teams in a fast-paced CIB lending environment.

Qualifications

• Bachelor degree or equivalent work experience.
• Foundational knowledge of financial statements, credit analysis, Excel and corporate finance.
• Exposure to banking, credit, lending, infrastructure finance, structured finance, leveraged finance, IG corporate lending or GTB helpful.

Responsibilities

• Credit spreading and basic credit analysis for assigned borrowers using financial statements, internal systems and portfolio management templates.
• Support quarterly and annual review preparation by gathering financials, covenant certificates, collateral data, borrower updates, rating inputs and prior review materials.
• Prepare initial variance analysis, ratio outputs, covenant calculations and portfolio data summaries for review by Associates and Vice Presidents.
• Maintain trackers for financial statement delivery, covenant certificates, borrowing base certificates, collateral deliverables, insurance requirements, annual reviews, quarterly reviews and other monitoring obligations.
• Identify missing or late deliverables, data inconsistencies and potential exceptions for escalation.
• Coordinate with Transaction Management, Agency, Operations and Portfolio Management colleagues to confirm post-close and ongoing monitoring requirements.

Skills

Excel

Analytical skills

Organizational skills

Written communication

Data entry

Attention to detail

Credit systems

Education

Bachelor's degree

Job description

Santander in the United States is seeking a Credit Spreading & Analysis Support professional to assist with financial spreading, credit analysis, and monitoring across portfolios. You will gather data, support reviews, and maintain tracking tools to ensure timely compliance with covenants and reporting requirements.

The role emphasizes collaboration with Front Office, Credit, Risk, Agency, Operations, and Finance teams in a fast-paced CIB lending environment.