Pre & Post Trade Operations - Residential Mortgage Warehouse Lending VP

Santander Group; New York (NY); Hybrid; USD 145,000 - 190,000; Full time

Job summary

Santander is seeking a VP for Pre & Post Trade Operations (Residential Mortgage Warehouse Lending) to oversee a team responsible for timely and accurate transaction execution and risk-managed delivery. You will partner with Front Office, Credit, Risk, Legal, Treasury, Finance, and Technology to drive process changes and ensure strong controls.

The role emphasizes leadership, prioritization, and escalation of complex issues, with a hybrid work arrangement in NYC or Miami.

Qualifications

• Must possess residential mortgage warehouse lending experience 7+ years of relevant experience in banking, lending, structured finance, specialty finance, or Pre & Post Trade Operations, including experience leading or supervising a team.
• Strong knowledge of Residential Mortgage Warehouse Lending, including warehouse facilities, loan funding, borrowing-base mechanics, collateral pledging, repayments, and releases.
• Understanding of advance rates, haircuts, eligibility criteria, concentration limits, aged collateral, wet/dry funding, and collateral exceptions.
• Familiarity with mortgage settlement and take-out processes and interactions with mortgage originators, custodians, bailees, title companies, settlement agents, escrow agents, and investors.
• Ability to understand operational requirements within Warehouse Loan and Security Agreements and translate them into appropriate procedures and controls.
• Strong knowledge of operational risk and controls, particularly funding accuracy, beneficiary validation, duplicate funding, collateral eligibility, borrowing-base accuracy, and repayment tracking.
• Demonstrated ability to manage complex and time-sensitive transactions, resolve exceptions, and appropriately upscale material risks.
• Strong people leadership, analytical, communication, and stakeholder-management skills.
• Experience supporting new facility closings, amendments, operational change, automation, or system implementations is preferred.

Responsibilities

• Lead day-to-day oversight of Pre & Post Trade Operations team supporting Residential Mortgage Warehouse Lending and related lending activities.
• Ensure timely, accurate, and controlled transaction execution while providing team leadership, risk management, and escalation of complex matters.
• Partner with Front Office, Credit, Risk, Legal, Treasury, Finance, Technology, and other stakeholders to support transaction execution and controls.
• Develop the team, manage workload, coverage, performance, and delivery.
• Oversee facility onboarding, loan funding, collateral management, and repayments.
• Maintain oversight of advance rates, eligibility criteria, collateral exceptions, and funding controls.
• Provide escalation point for complex transactions, funding issues, and operational exceptions.
• Monitor KPIs/KRIs and drive remediation; ensure compliance with policies and regulatory requirements.
• Support new facilities, amendments, automation, and technology initiatives.

Skills

Leadership

Analytical skills

Stakeholder management

Communication

Team leadership

Risk management

Project coordination

Education

Bachelor’s Degree

Job description

Pre & Post Trade Operations - Residential Mortgage Warehouse Lending Associate/VP

Country: United States of America

It Starts With You: 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. If you are interested in exploring the possibilities

The Difference You Make:

• Responsible for the day-to-day oversight of a Pre & Post Trade Operations team supporting Residential Mortgage Warehouse Lending and related lending activities.
• The role ensures timely, accurate, and controlled transaction execution while providing team leadership, operational expertise, risk management, and effective escalation of complex matters.
• You will partner closely with Front Office, Credit, Risk, Legal, Treasury, Finance, Technology, and other stakeholders to support transaction execution, servicing, operational controls, and business and process change.
• Lead and develop the team, managing daily workload, priorities, coverage, performance, and operational delivery.
• Oversee Residential Warehouse activities including facility onboarding, loan funding, borrowing-base availability, collateral management, repayments, and collateral releases.
• Maintain oversight of advance rates, eligibility criteria, concentration and aging requirements, wet/dry funding, collateral exceptions, and warehouse take-out activity.
• Ensure appropriate controls over high-value funding, including payment instruction, beneficiary and account validation, authorization, and escalation requirements.
• Act as a primary escalation point for complex transactions, funding issues, collateral discrepancies, and operational exceptions.
• Monitor operational performance, controls, KPIs/KRIs, and recurring exceptions and drive timely remediation.
• Ensure compliance with policies, procedures, transaction documentation, regulatory requirements, and internal control standards.
• Support new facilities, amendments, refinancings, process improvements, automation, and technology initiatives.
• Partner with senior management and key stakeholders to implement operational priorities and continuously improve processes and controls.

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:

• Must possess residential mortgage warehouse lending experience 7+ years of relevant experience in banking, lending, structured finance, specialty finance, or Pre & Post Trade Operations, including experience leading or supervising a team.
• Strong knowledge of Residential Mortgage Warehouse Lending, including warehouse facilities, loan funding, borrowing-base mechanics, collateral pledging, repayments, and releases.
• Understanding of advance rates, haircuts, eligibility criteria, concentration limits, aged collateral, wet/dry funding, and collateral exceptions.
• Familiarity with mortgage settlement and take-out processes and interactions with mortgage originators, custodians, bailees, title companies, settlement agents, escrow agents, and investors.
• Ability to understand operational requirements within Warehouse Loan and Security Agreements and translate them into appropriate procedures and controls.
• Strong knowledge of operational risk and controls, particularly funding accuracy, beneficiary validation, duplicate funding, collateral eligibility, borrowing-base accuracy, and repayment tracking.
• Demonstrated ability to manage complex and time-sensitive transactions, resolve exceptions, and appropriately upscale material risks.
• Strong people leadership, analytical, communication, and stakeholder-management skills.
• Experience supporting new facility closings, amendments, operational change, automation, or system implementations is preferred.

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. This is a hybrid (3 days/week in office) position and can sit in our NYC or Miami corporate locations.

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: $190,000.00 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.

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. 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. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.