SCIB – Agency Desk Associate

Santander Consumer USA Inc.; Miami (FL); On-site; USD 100,000 - 123,000; Full time

Job summary

Santander Consumer USA Inc. is seeking an Agency Desk Associate to support a portfolio of syndicated and bilateral loan facilities. You will serve as the operational contact for borrowers, lenders, and internal teams, ensuring transactions are processed accurately within contractual deadlines.

The role requires 4+ years in syndicated loans, strong attention to detail, and proficiency in Excel. You will coordinate funding, review legal docs, and contribute to process improvements in a fast-paced

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics or related discipline.
• 4+ years of experience in syndicated loans or related areas.
• Experience reviewing credit agreements and related legal docs.
• Ability to meet contractual deadlines in a high-volume environment.
• Proficiency in Excel and MS Office.

Responsibilities

• Administer syndicated and bilateral loan transactions including closings, drawdowns, amendments, and maturities.
• Review credit agreements, amendments, fee letters, and collateral documents.
• Translate contractual terms into operational requirements and servicing records.
• Coordinate funding and cash movements among borrowers and lenders.
• Prepare notices related to interest, principal, fees, and events.
• Calculate interest, fees, and lender allocations; ensure accurate booking on servicing platforms.
• Monitor deadlines, reporting obligations, and outstanding items.
• Serve as primary operational contact for borrowers, lenders, and internal stakeholders.
• Escalate gaps, funding risks, and control exceptions; maintain transaction evidence.

Skills

Analytical skills

Communication skills

Excel proficiency

Attention to detail

Time management

Education

Bachelor’s degree in Finance, Accounting, Business, Economics or related discipline

Tools

Loan IQ

MS Office

Job description

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 Agency Desk Associate is responsible for supporting and administering a portfolio of syndicated and bilateral loan facilities for which the Bank acts as Administrative Agent and/or Collateral Agent. This role serves as an operational point of contact for borrowers, lenders, Front Office, Legal, Credit Risk and internal Operations teams throughout the loan lifecycle.

The role is responsible for ensuring transactions are processed accurately, within contractual deadlines, and in accordance with applicable credit agreements, internal policies, and established controls. Success in this role requires a strong understanding of syndicated lending, attention to detail, sound judgment, and the ability to manage multiple transactions in a deadline-driven environment.

Key Responsibilities

• Administer assigned syndicated and bilateral loan transactions, including new deal closings, drawdowns, rollovers, repricings, repayments, amendments, consents, waivers, extensions, refinancings and maturities.
• Review credit agreements, amendments, fee letters, assignments, notices, collateral documents and other transaction documentation.
• Translate contractual terms into accurate operational requirements, transaction checklists, system records and servicing activities.
• Coordinate funding requirements and cash movements among borrowers, lenders and internal payment teams.
• Prepare, review and distribute borrower and lender notices relating to interest, principal, fees, funding, rate settings and other contractual events.
• Calculate or validate interest, fees, lender allocations, accruals and other transaction economics.
• Ensure accurate booking of deal, facility, lender, pricing, fee, and collateral information on the loan servicing platforms.
• Monitor contractual deadlines, consent requirements, reporting obligations, interest periods, payment dates and outstanding transaction items.
• Act as a primary operational contact for borrowers, lenders, external counsel and internal stakeholders, responding to inquiries accurately and professionally.
• Escalate documentation gaps, funding risks, operational breaks, control exceptions and overdue deliverables.
• Maintain complete transaction evidence, approvals, correspondence, reconciliations and supporting documentation for audit and control purposes.
• Support management reporting, key performance indicators, service-level monitoring and risk assessments.
• Contribute to process improvements, automation initiatives, procedure updates and control enhancements.
• Provide guidance and knowledge-sharing support to less experienced team members.

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 Finance, Accounting, Business, Economics or a related discipline, or equivalent professional experience.

Qualifications:

• 4+ years of experience in syndicated loans, commercial lending, loan agency, credit administration, transaction management or loan operations.
• Practical understanding of syndicated and bilateral loan structures and the responsibilities of an Administrative Agent.
• Experience reviewing and interpreting credit agreements and related legal documentation.
• Experience processing or overseeing loan lifecycle events, cash movements, interest, principal and fees.
• Strong analytical, reconciliation and problem-solving capabilities.
• Excellent written and verbal communication skills.
• Ability to manage competing priorities and meet contractual deadlines in a high-volume environment.
• Strong attention to detail and commitment to operational accuracy and control.
• Proficiency in Microsoft Office, particularly Excel.

Preferred Qualifications:

• Demonstrated experience with Loan IQ or a comparable commercial loan servicing platform.
• Experience supporting transactions across leveraged finance, corporate banking, middle-market lending or structured finance transactions.
• Familiarity with Loan Syndications and Trading Association market practices.
• Knowledge of operational-risk, audit, regulatory and compliance requirements within a commercial lending.
• Experience participating in system implementations, automation efforts or process-improvement initiatives.

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.

Base Pay Range:

Minimum:

$100,000.00 USD

Maximum:

$122,500.00 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, standingand 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.

What To Do Next:

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at T [e-mail] to discuss your needs.