SCIB Portfolio Management Associate - CIB Lending

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

Job summary

Santander Consumer USA Inc. is seeking a SCIB Portfolio Management Associate to support monitoring, credit reviews, covenant tracking, and lifecycle credit administration across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB portfolios.

You will prepare quarterly and annual reviews, perform financial spreading, track collateral, and coordinate with Front Office, Credit, Risk, Agency, Operations and Finance to ensure timely reviews and high-quality materials.

Qualifications

• Bachelor degree or equivalent work experience.
• Working knowledge of credit analysis and financial statements.
• Experience with portfolio monitoring and covenant tracking.
• 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 and covenant calculations.
• Strong Excel skills and comfort with credit, covenant, loan and reporting systems.

Responsibilities

• Prepare drafts and supporting analysis for quarterly and annual reviews.
• Perform credit spreading, ratio analysis, variance analysis and borrower update analysis.
• Maintain portfolio review calendars and supporting evidence.
• Track borrower reporting deliverables, covenants, collateral and other obligations.
• Identify missing items or breaches and escalate as needed.
• Support amendments, waivers, consents and lifecycle events.
• Prepare recurring portfolio reports and management inputs.
• Collaborate with Front Office, Credit, Risk, Agency, Operations and Finance.

Skills

Credit analysis

Financial spreading

Covenant tracking

Collateral monitoring

Lending documentation

Financial statements

Education

Bachelor degree or equivalent work experience

Tools

Excel

Internal systems

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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

The SCIB Portfolio Management Associate is an individual contributor role within US SCIB COO Lending Solutions responsible for supporting portfolio monitoring, credit reviews, financial spreading, covenant tracking, collateral monitoring and lifecycle credit administration across SCIB lending portfolios. The role supports a range of business lines and products, including Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures. Objectives are to 1) ensure accurate and timely portfolio monitoring support, 2) maintain high-quality credit, covenant, collateral and review materials, and 3) support a scalable first line portfolio management framework.

Key Responsibilities:

1. Credit Review Support

• 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.

2. Covenant and Collateral Monitoring

• 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.

3. Amendment and Waiver Support

• 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.

4. Portfolio Reporting and Controls

• 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.

5. Stakeholder Collaboration

• 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.

What You Bring:

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.
• Ability to manage deadlines and escalates issues clearly.

Key Competencies:

• Attention to detail and commitment to high‑quality work product.
• Curiosity, ownership and willingness to learn complex lending products.
• Strong collaboration across Business, Credit, Risk and Operations.
• Good judgment in identifying exceptions and escalation items.

Education:

Bachelor Degree or equivalent work experience

Work Experience:

3-6 years of relevant experience in portfolio management, credit analysis, financial spreading, lending, agency, credit administration, risk management or related roles.

Certifications:

• Other: Completion of bank‑certified course in Credit Training - Preferred.

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: $145,000.00 USD

Maximum: $175,000.00 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, 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.

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.