Senior Associate, Aerospace, Defense and Environmental

Santander US; Boston (MA); On-site; USD 101,000 - 165,000; Full time

Benefits offered by this job

Benefits package

Job summary

Santander US is seeking a Sr. Associate, Portfolio Management to oversee a portfolio of credit accounts, focusing on underwriting, risk management, and relationship growth in the Boston area.

The role requires extensive experience in credit structuring, strong analytical abilities, and proficiency in underwriting and cross-selling credit products. Effective collaboration with Risk Management and compliance is essential.

Qualifications

• 9+ years in credit structuring and underwriting, with cross-selling experience.
• Strong analytical skills and proficiency with financial statement modeling.
• Excellent credit skills and ability to evaluate diverse credits.
• Formal credit training preferred.
• Ability to produce high-quality underwriting documents under tight deadlines.
• Independent worker who proactively manages assigned portfolio.
• Excellent interpersonal and communication skills.
• Thorough understanding of regulations governing financial products.

Responsibilities

• Grows and manages an assigned portfolio of banking credit relationships to drive net interest income and fee revenue.
• Maintains high client satisfaction with periodic meetings and cross-sell opportunities.
• Delivers prudent underwriting and timely portfolio management within a middle-market portfolio.
• Directly negotiates terms, leads loan discussions, and closes transactions with proper documentation.
• Prepares underwriting documents with clear risk justification and analysis.
• Ensures renewals and reviews are completed on time.
• Collaborates with Risk Management on underwriting and approvals.
• Maintains compliance with laws, policies, and guidelines.

Skills

Credit risk management

Underwriting

Financial statement modeling

Client relationship management

Cross-sell opportunities

Communication skills

Microsoft Office

Education

Bachelor's Degree

Tools

Microsoft 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.

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 Sr. Associate, Portfolio Management manages a portfolio of credit account relationships and is responsible for credit risk management, retention and expansion of directly assigned customer relationships including underwriting, leading loan approval discussions, coordinating loan documentation and closing new loans to existing and new customers.

• Grows and manages an assigned portfolio of high level banking credit account relationships, generating growth in net interest income and loan-related fee revenue.
• Achieves a high level of client satisfaction and customer service including periodic client meetings to respond to customer credit questions, sell appropriate credit products and services and identify cross-sell opportunities and make appropriate referral
• Delivers exceptional credit execution including prudent, sound and timely completion of all underwriting and portfolio management requirements within an assigned middle market portfolio.
• Directly negotiates credit terms with clients, underwrites loan requests, leads deal screen & loan approval discussions, and closes approved credit transactions including engagement of counsel and preparation of legal documentation for loans to existing a
• Produces quality underwriting documents for new/incremental business.
• Thoroughly identifies and analyzes all risks and mitigating factors, identifies variances to policy/procedures and assign accurate risk grade with appropriate justifications.
• Ensures timely completion of renewals, annual reviews, and interim analyses.
• Works collaboratively with Risk Management on underwriting and credit approval matters.
• Supports a strong risk culture for Santander by conducting day-to-day business in compliance with laws and regulations, internal policies and guidelines and proactively identifying, communicating, and addressing issues warranting attention.
• Meets Credit Risk Review, Audit and OCC requirements for acceptable reviews.
• Ensures that the portfolio and all deal screen memos, term sheets and underwriting documents meet all existing Company and federal compliance requirements.

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

• 9+ Years Experience in credit structuring and underwriting and cross selling. - Required.
• Strong analytical skills and proficiency with financial statement modeling.
• Strong credit skills with the capacity to evaluate strength and weakness of a wide variety of credits.
• Formal credit training program preferred.
• Ability to produce high quality underwriting documents with concise, well-reasoned analysis under tight time constraints.
• Ability to work independently and proactively address the needs of assigned portfolio.
• Excellent interpersonal, team building and communication skills.
• Thorough understanding of regulations governing financial products and services.
• Proficient with Microsoft office .

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.

Minimum

Base Pay Range:

$101,250.00 USD

Maximum

$165,000.00 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.

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 [e-mail] to discuss your needs.

AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO