Project Finance Portfolio Analyst

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

Job summary

Santander is seeking an Associate, Project Finance Portfolio to support portfolio monitoring, credit reviews, and lifecycle credit administration across US SCIB lending portfolios, including Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending and GTB‑linked exposures.

This role partners with Front Office, Credit, Risk, Agency and Operations to ensure timely reviews, high quality documentation, and scalable processes; 3–6 years of relevant experience required.

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.

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.
• Track borrower reporting deliverables, financial covenants, non-financial covenants, borrowing base requirements, collateral documents, insurance requirements and other ongoing obligations.
• Identify missing items, potential breaches, data quality issues and exceptions for escalation to Portfolio Management leadership, Credit, Agency, Legal or Operations as appropriate.
• Update covenant, collateral and portfolio monitoring tools accurately and timely.
• Support analysis and tracking for amendments, waivers, consents, extensions, repricings and other lifecycle events.
• Coordinate with Transaction Management, Credit, Legal, Agency and Operations to gather information and track approvals, documentation changes and system updates.
• Maintain documentation and evidence of lifecycle decisions and post‑close or post‑amendment follow‑ups.
• Prepare recurring portfolio reports, exception trackers, covenant dashboards, collateral monitoring updates and management reporting inputs.
• Support internal control, audit, credit review and regulatory information requests related to portfolio monitoring activities.
• Assist with data quality cleanup, process improvement initiatives and procedure documentation.
• Work with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance to obtain data, resolve monitoring issues and support timely reviews.
• Provide support across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB portfolios as assigned.
• Help train analysts on spreading, covenant tracking, monitoring tools and review preparation standards.

Skills

Credit analysis

Financial spreading

Covenant tracking

Collateral monitoring

Lending documentation

Excel

Education

Bachelor's degree or equivalent work experience

Tools

Internal systems

Job description

Santander is seeking an Associate, Project Finance Portfolio to support portfolio monitoring, credit reviews, and lifecycle credit administration across US SCIB lending portfolios, including Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending and GTB‑linked exposures.

This role partners with Front Office, Credit, Risk, Agency and Operations to ensure timely reviews, high quality documentation, and scalable processes; 3–6 years of relevant experience required.