Senior Associate, Credit Portfolio & Underwriting

Santander US; Boston (MA); Presencial; USD 101.000 - 165.000; Jornada completa

Descripción de la vacante

Santander US in Boston is seeking a Sr. Associate, Portfolio Management to oversee a portfolio of credit accounts, lead underwriting decisions, and coordinate loan documentation for new and existing customers.

The role emphasizes strong credit execution, risk assessment, and collaboration with Risk Management and other teams to maintain compliance and drive growth while delivering exceptional client service.

Formación

• Bachelor’s Degree in a related field or equivalent demonstrated through work experience.
• 9+ years experience in credit structuring and underwriting and cross selling.
• 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.
• 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.

Responsabilidades

• 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.
• Mee ts 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.

Conocimientos

Credit underwriting

Portfolio management

Financial analysis

Risk assessment

Client relationship

Negotiation

Microsoft Office

Educación

Bachelor’s Degree

Herramientas

Microsoft Office

Descripción del empleo

Santander US in Boston is seeking a Sr. Associate, Portfolio Management to oversee a portfolio of credit accounts, lead underwriting decisions, and coordinate loan documentation for new and existing customers.

The role emphasizes strong credit execution, risk assessment, and collaboration with Risk Management and other teams to maintain compliance and drive growth while delivering exceptional client service.