Senior Associate, Specialty Finance – Sponsor & Tech Infra

Santander; Boston (MA); Sur place; USD 101 000 - 165 000; Plein temps

Résumé du poste

Santander is seeking a Senior Associate, Sponsor and Specialty Finance - Technology & Infrastructure to manage a portfolio of credit relationships, perform underwriting, and lead loan discussions for middle-market clients in the United States.

The role requires deep credit analysis, strong communication, and collaboration with Risk Management to ensure compliant, timely loan closings and ongoing portfolio monitoring.

Qualifications

• 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.
• 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 .

Responsabilités

• 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.

Connaissances

Credit underwriting

Analytical skills

Cross-selling

Microsoft Office

Formation

Bachelor's Degree

Description du poste

Santander is seeking a Senior Associate, Sponsor and Specialty Finance - Technology & Infrastructure to manage a portfolio of credit relationships, perform underwriting, and lead loan discussions for middle-market clients in the United States.

The role requires deep credit analysis, strong communication, and collaboration with Risk Management to ensure compliant, timely loan closings and ongoing portfolio monitoring.